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f 



NEW YORK 

LEGISLATIVE DOCUMENTS 



ONE HUNDRED AND FORTY-SECOND SESSION 



1919 



VOL. II — Nos. 6 TO 9 



#*• 



Exehttig* ^ 

New York 
State Lib,j.y 

Jiegislative Document 



STATE OF NEW YORK 



ANNUAL REPORT 

OF THE 

Superintendent of Banks 

RELATIVE TO 

Savings Banks, Trust Companies, 

Investment Companies, Safe Deposit 

Companies, Personal Loan Companies 

and Personal Loan Brokers 

For the Year Ending December 31, 1918 



STATE OF NEW YORK 
Banking Department 

To the Legislature: 

SiBS. — In accordance with the provisions of the Banking Law, 

I have the honor to transmit the annual report of this Department 

relating to savings banks, trust companies, investment companies, 

safe deposit companies, personal loan companies and personal 

loan brokers. 

Veiy respectfully yours, 

GEORGE I. SKINIf EE, 

Superintendent of Banks. 
Albany, N. Y., March 14, 1919. 



REPORT 



Ttf the L€ffisUdure: 

In accordance with the provisions of the Banking Law, I 
submit that portion of the annual report of this Department 
whiefa rdates to savings banks, trust companies, investment com- 
panies, safe deposit companies, personal loan companies and 
personal loan brokers. 

At the beginning of the year when the part of my report 
relating to banks, private bankers and the general work of this 
Department was transmitted, the only recent reports of the banking 
institutions of this State available were the reports of State banks, 
trust companies and private bankers as of Xovember 1, 1918 
and, it appeared from such reports that from ^November 14, 1917, 
to November 1, 1918, the resources of the State banks had increased 
from $932,437,232 to $1,020,241,730 or $87,804,498; that the 
resources of such private bankers as are under supervision had 
increased from $15,505,206 to $19,670,503, or $4,165,297 and 
that the total resources of the trust companies of the State had 
increased from $3,164,170,014 to $3,221,371,809, or $57,201,79*5, 
making a total gain for the three classes of banking institutions 
of $149,171,590. The reports submitted by all other classes of 
institutions subject to the supervision of this Department as of 
the close of business on December 31, 1918, are now at hand and 
it is interesting to note the very general increase in the reported 
resources of these institutions notwithstanding the adverse con- 
ditions which have resulted from the entry of this country into 
fte war and the extraordinary strain placed upon the banking 
resources of the countrv as the result of the efforts made to finance 
the National Government. 

From these latter reports, it appears that from January 1, 
1918, to January 1, 1919, the total resources of the savings banks 
increased from $2,165,939,081 to $2,231,461,928 or $65,522,847; 
that the resources of the investment companies increased from 
$55,079,104 to $95,400,400, or $40,321,296 ; that the resources 
of the safe deposit companies increased from $9,855,646 to 



6 A.NjfUAL Eeport of the 

$10,406,332 or $550,786; that there was a decrease in the 
resources of the personal loan companies and personal loan 
brokers from $1,022,331 to $1,001,873, or $20,458; that the 
reported resources of the savings and loan associations increased 
from $86,072,829 to $89,017,871 or $2,945,042 ; that there was 
a decrease in the resources of the Land Bank of the State of New 
York from $757,932 to $667,662 or $90,270, and that there 
was an increase in the resouices of Credit Fnions from $465,367 
to $568,034 or $102,667. 

According to their last reports, therefore, the total resources 
of all the institutions directly sub;]ect to the supervision of this 
Department amounted to $6,691,915,053, a net increase for the 
year 1918 of $258,417,900. 

According to reports from the Comptroller of the Currency, 
the resources of the National Banks of the State of New York 
increased from November 20, 1917, to November 1, 1918, from 
$4,955,967,000 to $5,079,146,000, or $123,179,000. 

According to the Comptroller's report as of December 2, 1918, 
the resources of the National Banks of the Tnited States on 
November 1, 1918, had reached the unprecedented amount of 
$19,821,404,000, the highest point since the establishment of 
the National banking system. 

The alx>ve figures indicate that, according to their last reports, 
the resources of the institutions incorporated under the Banking 
Law of this State exceeded by $1,600,000,000 the resources of all 
the National Banks of the State and were more than one-third as 
much as the resources of all the National Banks in the United 
States. 

These figures demonstrate the extent to which tlie banking 
system of this State has been adapted to the needs of its people, 
its business and commerce and the confidence that it has inspired. 
They are all the more noteworthy when we consider the various 
measures passed, recently pending or proposed at Washington for 
the avowed purpose of enabling National banks to compete with 
State banking institutions and the discrimination that in certain 
quarters is being exercised against State banking institutions. 
Advantage has been taken of the Federal administrntion of rail- 
roads to order their deposits with State institutions whose sol- 



Superintendent of Banks 7 

vency could not be questioned, removed to National Banks. This 
was done in one case, although the president of the railroad was 
a director of the institution from which its deposit was removed 
and in another case although the railroad was heavily indebted to 
the State institution for advances made to it. 

I do not believe that the National banking system needs so 
much paternalism and avowed protection. In fact, it may be 
questioned if the National Banks do not really suffer from so 
many alleged and widely advertised attempts to promote their 
interests. In this State, at least, the National Banks are able to pro- 
tect themselves and are worthy of the utmost confidence and respect. 
National and State institutions have constantly and consistently 
co-operated to promote the general welfare and during the War have 
united in giving patriotic support to the National Government by 
financing the various Liberty loans. They have whenever neces- 
sary, taken concerted action for the purpose of promoting and 
sustaining the business and commerce of the State and of the 
entire country. When left to themselves, there is no quarrel 
between them. 

The National Banking Act was designed to give to the United 
States a uniform system of commercial banks adapted to the 
needs of every part of the country. In order to distinguish them 
from State institutions and give them the advantage of such 
reputation as they might earn, they were given the exclusive 
right to the use of the word " National.'' They were also given 
the power to issue currency secured by bonds of the National 
Government upon profitable terms, and the State Banks, by pro- 
hibitive taxation, were compelled to forego the privilege of issuing 
currency. So well have the National Banks fulfilled the purposes 
for which they were designed that the name National Bank is in 
itself an advertisement. It has become a title of honor, descrip- 
tive throughout the United States of uniform and well-defined 
banking institutions and the National Banks might to-day well 
resent the theory that they need such constant solicitude and 
assistance from official sources. 

In the meantime, however, in various sections of the country, 
State institutions have been developed to meet the special busi- 
ness and commercial needs of different localities. Their special 



8 Aivi?ifAL Eeport of TirB 

powers, however, are attended by aperfal risks and aafeguardff 
against such risks have, as the result «£ experience, been embodied 
in the State laws which cannot be readily inserted in Federal Acts 
applicable to the entire country. As the National Banks w&re 
intended to be strictly commercial banks, they were prohibited 
from making long term loans upon real estate security and they 
did not solicit the small deposits of industrious laborers and 
wage-earners of other classes or pay interest thereon. As a con- 
sequence, mutual sayings- banks haive beea developed m the north- 
eastern and middle states to encourage thrift by investing the^ 
small savings of the poor fbr them and returning to them the- 
profits derived from: such rnvestm««ts after deducting expenses 
and so nmch of the earnings as is deemed necessary to guarantee- 
the safety of deposits during periods of depression. In order that 
their deposits might be safely used for the development of the 
communities in which the fimds were aecumulated, the trusteea- 
of these mutual institutions were originally authori2ed to invest 
in high grade mortgages. They were also authorized to invest in 
bonds of the United States, of the wealthiest and most populous 
states and in very high grade municipal securities. The system 
was developed to such an extent that further investments became 
necessary and the savings banks were authorized to assist in the 
development of the entire country by investing a portion of their 
deposits in the high grade railroad bonds. The laws under which 
these mutual savings banks have operated are so restrictive and ^ 
the system of supervision evolved has been so efficient that> 
although the mutual savings banks of the State of New York 
alone now have total resources of $2,231,461,928, in a period of 
nearly forty years, only three savings banks have been closed by 
the Superintendent of Banks with any loss to depositors and 
such losses when compared with the vast amount of deposits- 
received and returned during that period are of course almost 
infinitesimal. 

It would be impossible to estimate their importance in devel- 
oping the real estate resources of the State. Their present 
outstanding mortgages aggregate $1,104,008,865. 

Mutual building and loan associations, or savings and loan 
associations, as they are now termed in this State, have been 



Superintendent of Banks 9 

developed for the same general purpose and have been especially 
de6i^[ied to promote the building of homes for their members and 
to eare for the savings of an even less prosperous class of wage- 
reamers than those which have so liberally patronized the savings 
banks. Practically all the funds accumulated by them are 
invested in real estate mortgages. 

In the wealthier and more populous states, especially in thosv. 
in which it became necessary to organize large corporations to 
promote manufacture, to engage in great conmiercial enterprises 
.and to meet other industrial needs, the advantages of corporate 
trusteeship became evident. The power to act in a fiduciary 
capacity was conferred upon corporations organized under the 
laws of different states, such companies generally becoming known 
4is trust companies, and, as their strength and stability was 
demonstrated, they were in many States authorized to receive 
general deposits and to engage in commercial banking. In this 
State, in the last forty years, only four such institutions have 
been closed by the superintendent of banks with any loss what- 
ever to general creditors and even the four failed institutions 
repaid trust deposits in full. 

The devdopment of State financial institutions to meet special 
needs not provided for by the Xational Bank Act or the Federal 
Eeeerve Act still continues and within the last few years the 
investmeat company article of our Banking Law has been so 
amended as to provide for the organization of an entirely new 
type of institution intended to promote international commerce 
and to maintain the position of this country in connection with 
foreign trade that has been rendered possible by the European 
War. 

These institutioens will place at the disposal of our merchants 
and manufacturers the same facilities which have been extended 
to English and German merchants and manufacturers by the 
Discount Companies and International Banks of those countries. 
The stock of the oldest of these corporations is, I believe, held 
entirely by National Banks and the great increase in the 
resources of the investment companies of the State is very largely 
due to the organization and rapidly increasing business of such 
corporations. 



lO Annual Report of the 

It is not surprising, in view of the extension of Federal con- 
trol over various classes of business and industry as a result of 
the necessities of the war, that the attention of the advocates of 
centralization and Federal domination should be attracted by the 
prosperity and success of State banking instilut.'ons. In their 
desire to bring under Federal control all classes of banking insti- 
tutions, they seem, in the first instance, to have conceived the 
idea of conferring all the multifarious powers of the different 
classes of State institutions in all the States upon !N^ational Banks 
and to create a Federal system of department banks into which 
all banking institutions would be ultimately driven. Such a 
bank would rather closely resemble one of our great department 
stores. A patron could go to one department for the transaction 
of commercial business ; to another department to make his invest- 
ments in bonds ; to another department for trust business. He could 
deposit money not needed for immediate use in a savings depart- 
ment; another department would provide him with loans upon 
real estate mortgages and, in time, there might even be added a 
department corresponding to the Morris Plan Companies or 
Personal Loan Companies of this State to which the needy 
borrower might resort to escape from the exactions of the loan 
sharks and transact the business now done by such companies. 

This trend has met with so much opposition and it is so impos- 
sible to create a uniform type of banking institution which would 
at one and the same time be adapted to all the financial and com- 
mercial needs of all the different states that the scheme seems to 
be temporarily abandoned. A bill, however, wa« pending before 
the last Congress which, under the guise of enabling the Treasury 
Department to supervise the export of savings, would have enabled 
the Treasury Department to supervise the business of any indi- 
vidual or corporation seeking to transmit money abroad in sums 
of less than one hundred dollars. Such a bill would make possible 
endless federal interference with the business of corporations and 
individuals transmitting money to foreign countries at a time 
when in order to promote foreign trade and commerce and to 
maintain and ^strengthen friendly international relations, the 
transmission of money to foreign countries ought to be made as 
ensy as practicable. 



Superintendent of Banks 11 

The proposed National excursions into fields which have here- 
tofore been left entirely to State banking institutions have, more- 
over, not been abandoned but modified. According to some recent 
recommendations emanating from Washington, while the plan 
for uniform nation-wide department banks has been temporarily 
abandoned, State institutions are not to be left to exercise their 
special powers without competition. Encroachments upon their 
special powers are to be authorized and legalized even if it is 
necessary to destroy the uniformity now existing in the National 
banking system. 

If these later theories be enacted into law, whenever a State 
has conferred upon any of its financial institutions the power to 
act in a fiduciary capacity, the National banks of that State will 
also have these powers, even if their exercise is not safeguarded 
in like manner. If in any State the State banks are |)or- 
mitted to have branches, the National Banks will in that State 
also be permitted to maintain branches. If in any State there 
has been created a great system of mutual savings banks, in that 
State the National Banks, although not mutual but operated for 
the profit of shareholders, will be authorized to call their interest 
departments savings departments, and so appropriate the word 
which has for a generation or more been synonymous in this 
State with mutual institutions created under State laws. Thct.e 
deposits moreover will not be segregated nor will the entire net 
income from investments be distributed among the depositors. 

The result of continued encroachments upon the special powers 
of State banking institutions would, in my judgment, be more 
detrimental to the National Banks and the National bai^king system 
than to the State institutions for the reputation of the State insii- 
tntions, in their own peculiar provinces is so well established and 
the confidence of the people in them is so great that they do not 
need protection from competition, while the National Banks would 
lose their greatest advertisement, which is derived from their title 
and distinctive character and results from the understanding that 
the system is uniform and that the title means practically the 
same thing throughout the United States. Instead of having 
a uniform system of National Banks consisting of strictly 
commercial banking institutions and needing no other 
definition than the name, we would have heterogeneous 



12 Annual Report of the 

Tarieties of hybrid institutions of as many kinds perhaps as 
-there are States or possibly of as many types as there are 
classes of State banking institutions in all the States. There 
would be a certain uniformity of banking institutions within 
State boundaries but an entire lack of uniformity throughout 
the nation. The National Banks of the State of New Yoric 
iveuld oertainly differ as widely from the N^ational Baaks of the 
State of Nevada or the State of Oklahoma as the State banking 
institutions of New York differ from the State banking institu- 
tions organized under the laws of those States. 

Tkubt Companies 

The trust companies are the first institutions of this State to 
be affected by the determination upon the part of the Federal 
authorities to confer the distinctive powers and privil^es of 
State institutions upon national banks and to subject State insti- 
tutions to as much competition as possiWe in their special sphered. 
The success of the trust companies has been so great as to induce 
many national banks to undertake the exercise of trust powers, 
together with such few burdens as the Federal Reserve Act has 
imposed uj)on them, and or^-er fifty National Banks of the State 
have already been authorized by the Federal Reserve Board to 
exeixjise such powers. There does not appear, however, to be any 
diminution in the prosperity of the trust companies and since the 
threat of competition along their own special lines has been ren- 
dered effective, the largest National Bank in the State outside 
of New York city has been converted into a trust company and 
the oldest National Bank in the State has been consolidated with 
a trust company. 

It has taken years for the trust companies of the State to acquire 
the reputation they have achieved and to create the confidence in 
corporate tnisteeship of which they are now enjoying the results. 
Their unrivalled record in the care of tnist funds is not the con- 
sequence of such minor safeguards as have been inserted in the 
Federal Reserve Act, but of the provision in the Banking Law 
under which they are compelled to invest their entire capital 
stock in especially high grade securities and of the further pro- 
nnsion of that statute that trust fimds on deposit with a trust 
company must be preferred in case of liquidation. 



SvPJfiRINTSNBENT OF BaNKS 



13 



RlSOlTRCSS AND LlAJILITIES OF TbVST CoMPAJ^lES AS REPORTED 

The following taUe contains a summary statcan^nt of the 
resfRircee and liabilities of the trust compames reporting to the 
Banking Department on the dates specified during the year 1918: 



PoNie •eeuntiei. 



Ba)«Uteo 

MartiacBi owned 

Laaovaid diwoaBta noved by band and Borfr' 

lice, daed or otber real estate coUatcnl 

Wii»inrfdliimMiliii wuci by oUmt oolblanl 
Loans, diseoante and biHs purehaeed, not 

verorcd by eoOalcral 



Doe fmn trust companifs. banks and bankers. 



Statement of 

eonditioR 
Mar. 14. 1918 



Statement of I Statement of 
oondition eandttion 



June 20, 1918 



Otbcr OBTCDcy antborixed by tbe lam of the 
United States 

CS^iitevkviB.: BOIaaaddMfafcr tha 
day's rltarings; other aasb items. 

Dmt frsBB the FWeral tmem Bank of New 
York, leas dbets 

Ci.8iam(n' liability on acceptances (per contra. 



Other 
AdAh 



Total. 



finchidinf al mufivided pnAU) 

R afaimi depotiita, iria.: 

Daa New York State savings banks 

Doe New Yorir State savings and loan 

■aww ist inm . rwdrt. naieps and land bank . 

Daa aa eiaevts; adauiatrator, guardian, 

Msemr, tmstae, eoaaaittse or depositary 

n^poaiU by the State of New York 

Dspasiti fay the Baperiatendent of Banks 

ef State of New Yodc 

other d^osito aseaaed by a pledge 

DvpoBita otbsrwiae preferred 

Doe depasitors. not jistftswd . 

;dae trust eoaipaniaa, banks and bankers 



of drafts payable at a future date 
by e i M B iaisiei al letten of credit 



eenta. 



Drta] depoails. 



1468.785. 222 

3M.829.4S7 

48.273.600 

95,204,067 

13,460,861 
874,233.863 

542.463.542 

530.320 

166.699,367 

26.245.565 

22,252.494 

41.162,661 

208.011,078 

115.989,104 
93,871.216 

521 



13,084.003.468 S3. 045. 236. 458 



$115,475,200 
182,213,087 



4,75:^,230 



$371,916,792 

349,365.702 

49.906,448 

95.97^,711 

13.098,6I.'> 
826,48»,709 

617,745.286 

1.108,111 

155,991,700 

18,996,765 

27,478,997 

50,754,243 

213,501,665 

118.055,047 

134,855.222 

45 



974,513 

8S.4a6,393 
19,757,653 

667,585 
10&.186.347 
3.514,424 
1.926,322.469 
256.377,5031 
31, 840, 9501 
64,3M,24l| 

]0»,0$0,«29 
106^397,802 

52 



Sept. 10. 1918 



$500,397,669 

338,065,692 

49.987.001 

94,250,579 

13.823.336 
847,217,133 

578.585,903 

467,020 

141,600,583 

15,7H.369 

29,578,034 

74.639,077 

192.440,817 

110.686,511 
139,121.128 

47 



Statement of 

oomiitioB 
Nor. 1, 1914 



S3. 126. 664. 799 



$413,221,939 

385,721,543 

49,899,159 

. 93.377,160 

11,809,848 
1.042.921,704 

521,323,969 

4176,467 

155,108.006 

13.874,275 

28,233.821 

77,510,741 

192.033.330 

129,024,536 

156,836,330 

51 



$119,925,200 

182,267,102 

60.737,737 

996.796 

91,456,710 

15,502,37d 

757,048 

142,072,268 

6.026,659 

1,911,699.361 

210,869.470, 

77,837,043 

60,102,668 

115,595,960 

40,367.015 

45 



$119,932,200 
185,527,025 

50.952.810 

962,379 

89.844,794 

11.518,637 

644,223 

91,422,583 

4,498.017 

1.947,504.942 

229,386,304 

150.908,592 

83,148,697 

108,014,526 

52.398.123 

47 



$3,084,003,468 $3,045,236,468 $3,126,664,700 



$3,221,371,869 



ni9. 932,200 
188,886 ,.678 

42,822,563 

961.759 

86,951,601 
12,607.788 

723,335 

258,722,446 

10,020,568 

1,902,005,685 

203,375,178 

90,336,679 

118.211,329 

129,001,469 

55,912.529 

51 



$2, 475,863, 107t$3,440. 141 ,425 



$3,221,371,809 



$2,426. 734,875|$2,516,751,340 



14 



Atstnual Kepoet of the 



It will be noticed that there was a slight but continuous 
decrease in deposits at the close of each period until the last, 
which showed condition at the close of business on November 1, 
3918, just prior to the signing of the armistice. It is understood 
that since the signing of the armistice, deposits with trust com- 
panies as well as with other financial institutions have materially 
increased. 

While a number of informal applications for the organization 
of trust companies were received during the year, only one new 
trust company was authorized to engage in business, the Italian 
Discount and Trust Company, located in New York city, which 
commenced business with a capital of $500,000 and a surplus of 
$250,000. 

The various changes in capital stock which resulted in an 
increase from $115,475,200 to $119,932,200 were fully set forth 
in the part of this report heretofore submitted. 

The following table gives the names, locations, capital and 
surplus of the trust companies of the State as of November 1, 
1918, according to their reports to this Department: 



Name and Location 



Adirondack Trust Company, The, Saratoga Springs 

Albany Trust Company, The, Albany 

Auburn Trust Company, Auburn 

Bankers' Trust Company of Buffalo, Buffalo 

Bankers' Trust Company, New York City 

Brooklyn Trust Company, Brooklyn 

Buffalo Trust Company, Buffalo 

Central City Trust Company, Syracuse 

Central Union Trust Company, New York City 

Chemung Canal Trust Company, Elmira 

Citizens' Commercial Trust Company, Buffalo 

Citizens' Trust Company, Fredonia 

Citizens' Trust Company of Patchogue, The, Patchogue 
Citizens' Trust Company of Schenectady, N. Y., Schenec- 
tady 

Citizens' Trust Company of Utica, N. Y., Utica 

City Trust Company, Buffalo 

Columbia Trust Company, New York City 

Columbus Trust Company, Newburgh 

Commercial Trust Company, New York City 

Corporation Trust Company, The, New York City 

Cortland Trust Company, Cortland 

County Trust Company, The, White Plains 

Empire Trust Company, New York City 

Equitable Trust Company of New York, New York City 
Erie County Trust Company, East Aurora 



Capital 



Surplus 



$100,000 


$257,994 


400,000 


271,005 


150,000 


224,503 


2,000,000 


861.550 


11,250,000 


16,283,166 


1,600,000 


2,518,283 


600,000 


500,000 


300,000 


326.605 


12,500,000 


18,046,696 


600,000 


559,001 


1,250,000 


1,387,993 


100,000 


84,565 


100,000 


74,857 


200,000 


241,710 


600,000 


637,509 


500,000 


379,601 


6,000,000 


6,850,478 


100,000 


129,755 


600,000 


123,238 


600,000 


112,241 


200,000 


54,563 


100,000 


113.880 


1,600,000 


1,558,477 


6,000,000 


14,423,971 


100.000 


52.643 



SUPIRINTENDENT OF BaXKS 



15 



Naue and Location 



I Capital • 



Surplus 



Farmers' Loan and Trust Company, The, New York City 

Fidelity Trust Company of Buflfalo, The, BufiFalo 

Fidelity Trust Company, New York City 

Fidelity Trust Company, Rochester 

First Trust Company of Tonawanda, The, Tonawanda . . 
First Trust Company of Wellsville, N. Y., The, WellsvUle 

Franklin Trust Company, BrookljTi 

Fulton Trust Company, New York City 

Gene3ee Valley Trust Companj', Rochester 

Glens Falls Trust Company, Glens Falls 

Guaranty Trust Company of New York, New York 

Hamilton Trust Company, Brooklyn 

Herkimer County Trust Company, The, Little Falls .... 

Hudson River Trust Company, Hudson 

Hudson Trust Company, New York City 

Huguenot Trust Company of New Rochelle, New Rochelle'. 

Irving Trust Company, New York City 

Ithaca Trust Company, Ithaca 

Kings County Trust Company, Brooklyn 

Lackawanna Trust Company, Lackawanna 

Law>-ers' Title and Trust Company, New York City 

Lincoln Trust Company, New York City 

Livingston County Trust Company, Geneseo 

Madison County Trust and Deposit Compan}'', Oneida . . 

Manufacturers' Trust Company, Brooklyn 

^lercantile Trust and Deposit Company, New York City 

Metropolitan Trust Company, New York City 

Montgomery County Trust Company, Amsterdam 

Mount Vernon Trust Company, Mount Vernon 

Mutual Trust Company of Westchester County, Port 

Chester 

Nassau County Trust Company, Mineola 

New Rochelle Trust Company, New Rochelle 

New York Life Insurance and Trust Company, New York 

Citv 

New York Trust Company, New York City 

Nla.-^ara Falls Trust Company, Niagara Falls 

Northern New York Trust Company, Watertown 

Norihport Trust Company, Northport 

Glean Trust Company, Glean 

Oneida County Trust Company, Utica 

Ontario County Trust Company, Canandaigua 

Orange County Trust Company, Middletown 

Oswe^ County Trust Company, Fulton 

Peoples' Trust Company of Binghamton, Binghamton. . . 

Peoples' Trust Company, The, Brooklyn 

Pou^^hkeepale Trust Company, Poughkeepsie 

Putnam Count>' Trust Company, Brewster 

Queens County Trust Company, Jamaica 

Rochester Trust and Safe Deposit Company, Rochester . 

Rockland County Trust Company, Nyack 

Rome Trust Company, Rome 

St. Lawrence County Trust Company, Ogdensburg 

Salamanca Trust Companj-, Salamanca 

6candina\ian Trust Company, New York City 

Schenectady Trusi Company, Schenectady 

Security Trust Company of Rochester, Rochester 



S5,000,000 

500,000 

1,000,000 

500,000 

600.000 

300;000 

1,000,000 

500,000 

400,000 

100,000 

25,000.000 

500,000 

350,000 

125,000 

500,000 

150,000 

1,500,000 

200,000 

500,000 

100,000 

4,000,000 

1,000.000 

100,000 

182.200 

1,000,000 

1,000,000 

2,000,000 

200,000 

200,000 

300.000 
100,000 
200,000 

1,000.000 

3,000,000 
100,000 
400,000 
100,000 
100,000 
250,000 
100,000 
100.000 
100,000 
500,000 

1,000,000 
125.000 
100,000 
600,000 
500.000 
100,000 
300,000 
100.000 
100,000 

1,000,000 
300,000 
300,000 



S12,009,800 

525,659 

1,283,156 

447,413 

530,576 

41.677 

1,170,143 

643,873 

554,487 

165.040 

27,428.936 

1,0>0.057 

409,660 

93,1267 

608,277 

91,575 

1,142,015 

220,183 

2,705,286 

26,352 

5,236.230 

014,328 

29,619 

187,069 

785,038 

716,850 

4,383,175 

144,004 

217,759 

• 77,858 
142,386 
113,714 

4,406,406 

10,769,875 

219,680 

644,787 

56,647 

27,936 

382,914 

106,358 

226,917 

62,703 

119,003 

1,306,469 

206,935 

27,617 

113,662 

837,137 

68,241 

116,560 

34,253 

251.454 

1,879.2:8 

42S 4J0 

I 690.353 



16 



Annual Eepobt of the 



Name and Location 



Security Trust Company of Troy, The, Troy 

Suffolk County Trust Company, The, Riverhead 

Syracuse Trust Company, Syracuse 

Title Guarantee and Trust Company, New York City. . . 

Transatlantic Trust Company, New York City 

Troy Trust Company, The, TVoy 

Trust Company of Fulton County, Gloversville 

Trust Company of Wyoming County, Warsaw 

Trust and Deposit Company of Onondaga, Syracuse .... 
Union Trust Company of Albany, N. Y., The, Albany.. . 

Union Trust Company of Jamestown, Jamestown 

Union Trust Company of Rochester, Rochester 

United States Mortgage and Trust Company, New York 

City 

United States Trust Company of New York, New York 

City 

Utica Trust and Deposit Company, Utica 

Westchester Trust Company, Yonkers 

Workers Trust Company, Johnson C^ty 

Yonkers Trust Company, The, Yonkers 



Capital 



Surplus 



1200,000 


$154,680 


100,000 


144,044 


500,000 


775,966 


5,000,000 


11,947,880 


700,000 


440,122 


200,COO 


58,124 


200,000 


112, 8ia 


100,000 


47,885 


1,000,000 


680,005 


250,000 


571,964 


300,000 


303,601 


1,000,000 


565,^64 


2,000,000 


4,628,625 


2,000,000 


14,556,941 


600,000 


758,941 


300,000 


175,144 


100,000 


47,168 


150,000 


43,989 



Growth of the Savings Banks of the State 

War conditions and the appeal to the provident and thrifty 
of all classes to invest their savings either in Liberty bonds or 
War Savings certificates for a time more seriously affected the 
growth of the savings banks than any other class of financial 
institutions. They have, however, achieved such an enviable 
reputation for safety and their very name is so intimately asso- 
ciated with all movements for the promotion of thrift and economy 
that they will undoubtedly be ultimately greatly benefited by the 
various campaigns to promote thrift and economy that have been 
conducted in connection with War financing. 

These mutual institutions were devised for the purpose of 
accumulating small savings and investing them solely for the 
benefit of the depositors. Their investments are so strictly lim- 
ited by law to high grade securities bearing a low rate of interest 
that they cannot be profitably conducted unless a comparatively 
large amount of deposits is assured. None but the depositors reap 
any benefit from their organization other than a reasonable com- 



STTPERirrrENDENT OF Bantcs 



1? 



pensation for services rendered so that there are not the usual 
profit-making mducements to encourage individuals to undertake 
the trouble and expense of organizing them. Public spirit and 
a desire to benefit their fellows should be the principal motive of 
tiioae who undertake the organization of such institutions and 
the same spirit of devotion to the general welfare should animate 
their officers and boards of trustees thereafter. Their special field 
is » folly covered by existing savings banks that no new savings 
bank was organized during the year nor has any such institution 
been incorporated since 1916. 

The following table gives the resources and liabilities of the 
savifigs banks of the State, as shown by their reports to this 
Department, as of June 30 and December 31, 1918: 



Rewtuvu 

June 30, 1918 Dec. 31, 1918 

Bonds and mortgages $1,109,373,838 31 $1,104,068,865 90 

Stock and bond investments, estiniftted 

market value 864,396,163 32 928,829,963 37 

Ph>miM>ry notes 870,794 02 1,399,885 82 

Banken' acceptances and bills of ex- 
change 2,022,864 39 

Banking houses and lofs at actual cash 

value 18,899,826 66 18,721,596 04 

Other real estate at actual cash value. . . 17,099,973 16 16,659,987 11 

Cadk on dqposit in banks and trust 

conpaaies 115,405,734. 54 115,367,170 92 

Cash on hand 12,976,087 12 16,184,725 53 

Total of collectible interest 25,448,023 30 25,587,786 39 

Otherassets 3,384,059 43 4,641,947 64 

Total resources $2,169,877,364 25 $2,231,461,928 72 

Liabilities 

Amount due depositors $1,991,720,349 72 $2,042,011,104 81 

Other liabHities 12,130,404 36 15,119,311 63 

Surplus on estimated market value of 

stocks and bonds 166,026,610 18 174,331,512 28 

Total liabilities $2,169,877,364 25 $2,231,461,928 72 

Svphson par value of stocks and bonds $217,313,648 04 $224,609,012 11 



18 AxKUAL Repoet of the 

The following table gives in somewhat greater detail but still 
in summary form the stock and bond investments of the savings 
bai.ks of the State at the close of business on December 31, 1918: 

Stocks and Bonds 

United States $164,225,077 31 

District of Columbia 160,000 00 

New York State 22,294,750 00 

Bonda of other states 39,454,904 00 

Bonds of cities in other states 139,651,943 78 

Bonds of counties, villages and towns in adjoining states 558,979 86 

Bonds of cities in this state 200,406,095 97 

Bonds of counties in this state 15,842, 169 70 

Bonds of towns in this state 8,242,080 47 

Bonds of villages in this state 17,717,450 04 

Bonds of school districte in this state 8,527,677 85 

RaUroad mortgage bonds 361,711,334 22 

Bonds of Land Bank of the State of New York 315,000 00 

Total par value of stocks and bonds $979,107,463 20 

Amount of stocks and bonds at present cost as determined by 

amortisation $997,634,845 23 

Amount of stocks and bonds at original cost 1 ,011 ,649,474 93 

Amount of stocks and bonds at estimated market value 928,829,963 37 

Addilional StatisHcal Items 

Number of open accounte December 31, 1918 3,467,644 

Number of accounte opened or reopened during the year 552,779 

Number of accounte closed during the year 545,347 

Amounts deposited during the year, not including dividends 

credited $497,192,956 16 

Amount withdrawn during the year 515,240,913 44 

Amount of dividends paid and credited during the year 73,772,298 63 

Salaries paid for the year. . . : 4,032,472 21 

Expenses other than salaries for the year 5, 103,875 46 



It is noticeable that during the year, their investments in 
bonds of the United States increased from $40,282,244.50 to 
$164,225,077.31. Among their other liabilities, moreover, are 
included partial payments to the amount of $5,262,186, made by 
their patrons upon Liberty Bonds purchased for them by the 
savings banks. 

Important Changes 
The following table contains a comparative statement of salient 
features of savings bank transactions during the last three years: 



SUiTRINTEXDEKT OF BaITRS 



19 



Gain in open accounts 

Gain in reflooroes 

Gain in amount due depositors 

Increase in market value surplus 

Gain in par surplua 

Gain in dividends paid or credited 

Gain in amount deposited during the year 

Increase in amount withdrawn during the 

year 



Gain shown 

by 1916 

reports over 

1915 



173,950 

$165,252,661 89 

134,456.790 64 

30.801.624 01 

11.922,349 46 

3,657.827 39 

76,176.298 15 

*6, 919. 553 34 



Gain shown 

by 1917 

reports over 

1916 



42,900 

$ 26,640,044 07 

32.892,621 07 

n4, 212. 645 88 

14,418.639 73 

3,440,924 18 

*11.398,299 17 

93,604,231 59 



Gain shown 

by 1018 

reports over 

1917 



7.432 

$65,522,747 14 

55.454.755 19 

3.618,266 64 

15.258.168 87 

1.548,923 70 

19.911,593 86 

*1, 351, 867 39 



Decrease. 



It will be noticed that, while there has been a constant increase 
both in the open accounts held by such institutions, in their 
resources and in the amounts due depositors, the gains since the 
entry of the United States into the European War have been 
slight as compared with the gains shown for the year 1916. 

The gain in resources and deposits, however, for the present 
year is much greater than for the previous year and the increase 
in deposits occurred almost entirely during the latter part of the 
year. The increase in deposits from the time the armistice was 
signed has been almost phenomenal and the deposits were made 
in such a form as to indicate beyond question that they con- 
sisted largely of hoarded money. Special reports made to the 
department for the period from December 28, 1918, to January 
12, 1919, moreover, showed a net increase in deposits for that 
period of over $39,400,000, and I am informed that the increase 
in deposits is still continuing at a very remarkable rate. 

Savings Banks Dividend Rates 
A number of savings banks which have heretofore only paid 
dividends at the rate of three and one-half per centum per annum 
have felt justified, by the comparatively high rates of interest that 
they have in recent years been able to obtain upon investments, in 
increasing their rates to four per centum per annum. Such 



20 



Ajsnttai, Befost of the 



increases in dividend rates should only be made after the most 
serious consideration* The profits of a savings bank which are 
not paid out in dividends to depositors are carried to their guar- 
anty funds or undivided profit accounts, which serve the same 
purpose in protecting depositors from possible loss as the capital 
of a stock corporation. The amount due to any individual 
depositor in a savings bank is so small that a difference of one- 
half of one per centimi per annum in the dividend rate is not of 
great consequence to the depositor. Depositors as well as officers 
and trustees should be more greatly concerned about the safety 
of the sums deposited rather than an inconsequential increase in 
the income derived from them, and I have a very great respect 
for the officers and trustees of savings banks who insist upon 
accumulating large guaranty funds for the protection of depos- 
itors, notwithstanding the temptation to increase the amount of 
deposits and the size of their institutions by declaring as large 
dividends as possible. In many parts of the State, there has been 
altogether too great a tendency among all classes of financial insti- 
tutions to enter into an unwise competition for deposits by 
increasing the return to depositors. 

The following table shows the rates of dividends paid by the 
savings banks of this State on the first days of January and July, 
1918, and the first day of January, 1919, according to their 
reports to this Department : 



Number paying 4 per cent 

Number paying 4 and 4} per cent 

Number paying 3^ per cent 

Number paying 3 and 4 per cent . 
Number pa3ring 3} and 4 per cent 



January, 


July, 


1918 


1918 


107 


110 


2 


2 


26 


21 


5 


5 


1 


3 



January, 
1919 



117 

2 

15 

4 

S 



Investment Companies 

The Investment Company article of the Banking Law is largely 
a survival and adaptation of chapter 389 of the Laws of 1892, 
an act devised for the purpose of bringing under the supervision 
of the Superintendent of Banks all foreign corporations engaged 



SUPHEINTENDENT OF BaNKS 21 

in selling securities to the general public within this State through 
agents. 

The powers of investment companies, as stated in the Banking 
Law, are so broad and expressed in such general terras that various 
investment com.panies organized under the same statute are very 
dissimilar in character. Some of them are absolutely unique in 
iheir operations, while others may be grouped in certain general 
classes. 

The Law of 1892, to which I have called attention, was passed 
very largely as the result of the failure of many so-called "West- 
ern Farm Mortgage Companies " and the older investment coia- 
panies of the State are of the original type and might perhaps be 
more accurately described as " Mortgage Companies." They are 
engaged in making loans upon real estate and sell bonds secured 
by real estate mortgages to investors. 

Another type of investment companies is engaged in a class of 
business also contemplated at the time of the enactment of the 
original law, the purchase and sale of securities through agents 
or otherwise. If the spirit of the original enactment and the 
opinions of various Attomeys-G«ieral of the State are given due 
weight, it would seem that all corporations organized for this 
purpose should be organized under the Banking Law and should 
be subject to the supervision of this department. It must be 
admitted, however, that relying upon some uncertainties in the 
statute and the decision in the so-called Monaton Realty Company 
<ase, there are more corporations organized under the Business 
Corporations Law transacting business of this character than 
there are under the Banking Law. 

Another class of investment companies has l>een authorized for 
the purpose of exercising the powers set forth in subdivisions 4 
and 5 of section 293 of the Banking Law and are designed like 
several other classes of corporations provided for in the Banking; 
Law to relieve necessitous borrowers from the exactions of the 
«)-called loan sharks. As their work is more or less remedial and 
it is recognized that the investigation of the credit of such borrow- 
ers is expensive and that the return upon loans must be more or 
less in proportion to the risks assumed, these corporations are 
permitted by law to exact interest, to make charges for examina- 



22 ANNUAL Report of the 

tioa and to exact fines for failure to make payments as agreed 
which would make the loans usurious unless specially authorized 
by law. All of the corporations thus far organized for this pur- 
pose have used the words ^* Morris Plan Company " as a part of 
their titles. 

Another type of investment company is the result of modem 
industrial needs and corporations of this character are organized 
to assist in financing large manufacturing corporations and to 
facilitate sales to wholesalers or distributing agents. 

Another class of investment companies exercise the general 
powers conferred by subdivision 1-a of section 203 of the Banking 
Law as recently amended. These companies are the outgrowth of 
recent developments in connection with the business and com- 
merce of the State and nation. They are especially designed to 
make acceptances, to deal in bills of exchange and to promote for- 
eign trade. The stock of the corporations thus far authorized is 
principally owned by the largest and strongest National Banka 
and Trust Companies in the country. The minimum capital of 
such an investment company is two millions of dollars and it 
seems probable that these international banking corporations will 
Ijecome a very important part of the State banking system. 

During the past year, the total resources of the investment 
companies show a greater proportionate growth than any other 
class of financial institutions, the resources of the investment 
companies at the close of last year having been $55,079,104: and 
Iheir resources at the close of the year 1918 $95,400,400, an 
increase of nearly 75 per cent. This very remarkable increase was 
largely the result of the organization and development of the last 
class of investment companies above mentioned. 

Six new investment companies were organized during the year, 
the Utica Investment Company, Incorporated, with a capital of 
$100,000, the Mohawk Valley Investment Corporation, with a 
capital of $150,000, the Foreign Trade Banking Corporation, 
with a capital of $2,000,000, the Asia Banking Corporation, with 
a capital of $2,000,000 and the Discount Corporation of New 
York, with a capital of $5,000,000. The Essential Industries 
Finance Corporation, with a capital of $1,000,000, was organized 
to co-operate with the War Finance Corporation, but owing to 



Superintendent of Banks 25 

the close of the War, it has not engaged in active business and will 
soon be dissolved. 

During the year, the capital stock of the American Foreign 
Banking Corporation was increased from $2,500,000 to $3,500,000 
and the capital of the Commercial Security Company, Inc., from 
$1,000,000 to $2,000,000. 

The American Foreign Banking Corporation was authorized 
to open and maintain branch offices at Port Au Prince, Haiti ; 
in the city of Panama in the Republic of Panama ; in the city of 
Cristobal in the Canal Zone in the Republic of Panama ; at Rio de 
Janeiro in the Republic of Brazil ; at Cap-Haitien in the Repub- 
lic of Haiti ; at Saint Marc in the Republic of Haiti ; at Cali in 
the Republic of Colombia and at Havana, Cuba. 

The Asia Banking Corporation was authorized to open and 
occupy branch offices at Shanghai, Peking, Tientsin, Harbin and 
Ilankow, in the Republic of China, and in Vladivostok, Siberia. 

The Guaranty Securities Corporation wa« authorized to open 
end maintain branch offices in San Francisco, California, and in 
Montreal, Province of Quebec. 

The following table contains a summary statement of the 
lesources and liabilities of the investment companies of the State 
at the close of business December 31, 1917, and on the 31st day 
of December, 1918, as reported to this Department: 

Resources Dec. 31, 1917 Dec. 31, 1918 

Loana secured by first liens on real estate. $15,925,344 $13,853,423 

Lo&ns secured by second liens on real estate 60, 190 33,701 

Loanson collateral security 16,925,392 15,927,490 

Loans on personal security 674,436 7 ,700,993 

Stocksand bonds 3,152,376 7,207,996 

Off-ce bufldings 73,645 80,000 

Other real estate 780,031 727,853 

Ppcmiuins paid 3,223 5,117 

Furniture and fixtures 92,888 88,408 

Current expenses 34,727 135,423 

Past due interest remitted for but not paid to us. . . 22 , 653 35 , 015 

Due from branch offices and agents 3, 177 845 ,401 

I>uefroin sundry persons 5,185,058 377,245 

rhiefioin banks and bankers 2,081,453 9,858,260 

Due on uncompleted loans 20,950 5,450 

Cash 3,922,108 6,430,478 

Other assets 6,121,463 32,088,147 

TotMresources S55,079,104 $95,400,400 



24 



Anwual Report 05* thb 



LiabUities Dec. 31, 1917 Dec. SI, 1918 

CBprtal stock paid in $11,600,000 $22,589,200 

Surplus 3,954,117 6,608,455 

Premiuma 13,811 11 ,740 

BiU4 payable 2,220,146 5,845,250 

Debenture bonds outstanding 16,709,500 14,573,900 

Dividends unpaid 37,500 57,500 

Interest paid in advance by borrowers 218, 173 353,652 

Due borrowers on loans made 1 ,357,060 1 ,016,099 

Certificates of deposit bearing interest 6,031,048 6,812,620 

Deposits awaiting investment 23,565 57,037 

Other deposits 591,622 1,791,216 

Due to branch offices and agents 1 ,405 ,814 

Due to banks and bankers 1 ,234,981 4,052,818 

Other liabilities 11,087,581 30,225,099 

Total iiabiUtaee S55,079,104 $95,400,400 



The name of the Guaranty Securities Corporation, of New 
York City, was changed to Continental Guaranty Corporation, 
4ind the Bankers Commercial Corporation was merged with the 
Commercial Security Company, Inc., the resulting corporation 
assuming the name Bankers Commercial Security Company, Inc. 

Capital and Surplus of Investment Compamies 
The following table gives the names and location of the varioua 
investment companies of the State together with their capital and 
surplus as of December 31, 1918, as reported to this Department: 



Name ano Location 



American Foreign Banking Corporation, New York City 

Asia Banking Corporation 

Bankers* Commercial Security Company, Inc.. New York City. . 

Continental Guaranty Corporation, New York City 

Discount Corporation of New York 

EflMntial Industries Finance Corporation. New York City 

First Mortgage Guarantee Company, Long Island City 

Toreign Trade Banking Corporation, New York City 

Guarantoed Mortgage Company of New York. New York City.. 
Home Mortgage Investment Company of New York, Brooklyn, N.Y 

Hudson Mortgage Company, New York City 

X>ong Island Bond and Mortgage Guarantee Company.Jamaica.N. Y 

Mohawk Valley Investment Corporation. Utica, N. Y 

Morris Plan Company of Albany, Albany, N. Y 

Morris Plan Company of BuflTalo, Buffalo, N. Y 

Morris Plan Company of New York, New York City 

Morris Plan Company of Schenectady, Schenectady. X. Y 

Morris Plan Company of Syracuse, The, Syracuse. N. Y 

Idortgagc Bond Company of New York, The, New York City.. . 
Naaaau-SuITolk Bond and Mortgage Guarantee Company, 

Mineola. N. Y 

National Thrift Bond Corporation, New York City 

New York Investors' Corporation, New York City 

R W. Straus & Co., Incorporated. New York City 

The Thrift. Brooklyn, N. Y 

Vt ica Investment Company, Utica, S. Y 



Capital 


Suiplusns 
reported 


$3,230,200 


91,344.045 


2,000,000 


536. 5W3 


2.000.000 


643,030 


1.000,000 


124.331 


5.000.000 


1,000.000 


1,000.000 


107.968 


500.000 


2t9,4»4 


2.000.000 


314, 0S6 


375.000 


138.210 


100.000 


51,732 


100.000 


2o.«06 


200.000 


134.7(11 


150.000 


30.470 


100.000 


20.024 


200.000 


13.214 


1.000.000 


113.244 


100.000 


11.4C9 


125.000 


19.<i57 


2.000.000 


740.861 


200.000 


150,064 


2.W,000 


34.254 


100.000 


39.496 


250.000 


20.'-.. 208 


500.000 


475.509 


100.000 


23.50 3 



SUPEB12VTEW0IEWT OF BaKK8 



25 



8afb Deposit Comtawies 

The Irosixicss transaeted by the Safe Deposit Companies during 
tic year calls for very little comment, although there was a consid- 
erable increase in the resources of these corporations. So many 
other corporations exercise the powers of Safe Deposit Com- 
panies and do a competitive business that few new Safe Deposit 
Companies are organized by individuals. A number of the existing 
Safe Deposit Companies were incorporated in connection with 
hanks or trust companies by which their stock is almost entirely 
owned. The only new Safe Deposit Company organized during 
the year was the TiflFany & Co. Safe Deposit Company, located in 
New York City, with a capital of $100,000. 

RsaorBCEs and Liabilities of Safe Deposit Companies 

The following table gives in summary form the resources and 
liabilities of the Safe Deposit Companies of the State as reported 
at the close of business on the last days of December, 1916, I^IT 
and 1918: 



Reaources 



BoDcb and mortgages , 

^t<K-k and bond inveBtments , 

Realcstste 

Vault! and nafes 

I^JTOiture and firtureB 

Utaa on eonatera) 

Caah dtpontcd 

Caah on hand 

S«fc rentala doe and accrued 

f^Otf^r storage doe and accrued 

War^oinefftorage due and accrued . . 

Tin boxet on hand 

Otfc«r assets: 

Add for cents 

Totals 

LiABirmcB 

Capital stock 

Ercesi of aaseta over liabilities 

I^*M secured by bond and mortgajc 

^ijer loans 

Interest due and accrued on loans. . . . 

Eipenws ioeorred and unpaid 

Other nahifities 

Add for cents 

Totfcb 



1916 



1268,625 

2.472,548 

2,430,863 

3,087,553 

76.505 

700 

275,183 

3, 662 

68,710 

34,419 

142.376 

241 

39,115 

5 



$8,900,505 



36,000.000 

2,016.041 

670,000 

27,200 

5.402 

10,733 

171,127 

2 



98.900,505 



1917 



$277,190 

2,645,178 

3,151.560 

3,063.609 

56.172 

15,758 

328,606 

6,400 

73,829 

36,826 

148,771 

290 

31,352 

5 



$9,855,546 



96,310,000 

2,610,718 

570,000 

83,523 

4,800 

22,735 

253,768 

2 



$9,855,546 



1918 



$296,035 

3,045.018 

3,333,665 

3,027,426 

48.195 

17,062 

296,772 

14,428 

75,278 

40.795 

173,412 

287 

37,955 

3 



$10,406,332 



$6,. 360,000 

2,819.545 

570.000 

349,904 

6,36& 

22.321 

279,195 

1 



$10,406,332 



2G 



AiNNUAL Report of the 



List of Safe Deposit Companies and Capital 

The following table gives the names, locations and capital of 
lhe Safe Deposit Companies of the State which were engaged in 
Inisiness on the first day of January, 1919: 



Name 



Albany Safo Deposit and Storage Company 

Astor Safe Deposit Company. New York 

Atlantic Safe Deposit Company 

Bankers' Safe Deposit Company 

Bank of Long Island Safe Deposit Company 

Broadway Safe Deposit Company 

Bronx Safe Deposit Company 

Brooklyn City Safe Deposit Company 

Central Safe Deposit Company 

Central Union Safe Deposit Company 

Citizens Commercial Safe Deposit Company 

City Safe Deposit Company of Albany', N. Y 

Colonial Bank Safe Deposit Company 

Commercial Safe Deposit Company 

Corn Exchange Safe Deposit Company 

County Safe Deposit Company 

Empire City Safe Deposit Company 

Empire Safe Deposit Company 

Equitable Safe Deposit Compuiny of New York, The. . . 

Farmers' Safe Deposit Company, The 

Fidelity Safe Deposit Company 

Fifth Avenue Safe Deposit Company 

Franklin Safe Deposit Company 

Oarfield Safe Deposit Company 

Greenwich Safe Deposit Company 

Guaranty Safe Deposit Company 

Hanover Safe Deposit Company 

Hudson Safe Deposit Company 

Knickerbocker Safe Deposit Company 

Lincoln Safe Deposit Company 

Loni; Island Safe Deposit Company' 

Madison Safe Deposit Company 

Mercantile Safe Deposit Company 

Metropolis Safe Deposit Company 

Blount Vernon Safe Deposit Company 

New Maiden Lane Safe Deposit Company 

New Rochelle Safe Deposit Company 

New York Produce Exchange Safe Deposit and Storage 

Company 

New York Stock Exchange Safe Deposit Company . . . 

Ossining Safe Deposit Company 

Power City Safe Deposit Corporation 

Rockland County Safe Deposit Company 

Safe Deposit Company* of New York 

Security Safe Deposit Company of Brooklyn 

Security Safe Deposit Company of Troy 

Standard Safe Deposit Company 

State Safe Deposit Company 

Thirty-fourth Street Safe Deposit Company 

Tiffany* it Co. Safe Deposit Company 

United States Safe Deposit Company 

Wool worth Building Safe Deposit Company 



Location 



Albany 

New York City 
New York City 
New York City 

Jamaica 

Now York City 
New York City 

Brooklyn 

Ossining 

Now York 

Buffalo 

Albany 

New York City 
New York City 
New York City 
White Plains.. 
New York City 
New York City 
New York City 
New York City 
New York City 
New York City 

Brooklyn 

New York City 
New York City 
New York City 
New York City 
New York City 
New York City 
New York City 

Brooklyn 

New York City 
New Y ork C ity 
New York City 
Mount Vernon. 
New York City 
Now Rochelle. . 

New York City 
New York City 

Ossining 

Niagara Falls . . 

Nyack 

New York City 

Brooklyn 

Troy 

New York City 
New York City 
New York City 
New York City 
New York City 
New York City 



Capital 



SOO.OOO 00 
100.000 00 
100.000 00 
100.000 00 
100,000 00 
100,000 00 
110.000 00 
100.000 00 

10.000 00 
100.000 00 
150.000 00 

50.000 00 
100.000 00 
100.000 00 
300.000 00 

10.000 00 
100.000 00 
100.000 00 
200.000 00 
100,000 00 
100.000 00 
100.000 00 
100.000 00 
150.000 00 
100.000 00 
200.000 00 
200.000 00 
100.000 00 
100.000 00 
.000.000 00 
100,000 00 
100.000 00 
200.000 00 
100,000 00 

10.000 00 
100.000 00 

10.000 00 

150.000 00 

100.000 00 

20.000 00 

15,000 00 

10.000 00 

100.000 00 

100,000 00 

60.000 00 

200.000 00 

100.000 00 

225.000 00 

100,000 00 

200.000 00 

100,000 00 



$6,300,000 00 



SUPEEINTENDENT OF BaNKS 27 

Peksonax. Loan Companies and Personal Loan Bkokers 

The present article of the Banking Law relating to Personal 
Loan Companies and Personal Loan Brokers is a development 
as the result of experience of chapter 326 of the Laws of 1S95; 
which was the initial attempt in this State to organize corporations 
of a remedial character for the relief of needy and indigent bor- 
rowers. Many States now have statutes relating to small loan 
brokers and their supervision, all intended, of course, to relievo 
the poor from oppression. I think, however, that Kew York 
State was the pioneer in this respect and that our statute is the 
most satisfactory to the borrowers, if not to the lenders. 

Two Personal Loan Companies were organized during the year, 
the Merchants Personal Loan Company, of Brooklyn and tho 
Broadway Personal Loan Company, located in the borough 6i 
Manhattan. 

The capital of the Provident Loan Society, of Rochester, was 
increased from $50,000 to $100,000. 

Xo personal Loan Broker was authorized to commence business 
during the year. 

The following table shows the resources and liabilities of the 
Personal Loan Companies and Personal Loan Brokers of the State 
on the 31st day of December, 1917, and the 31st day of December, 
1918, according to reports to this Department: 

Resources 1917 TIS 

Cash in office SO, 776 36 111 ,.^2) 66 

Cash on depomt 37,174 08 • 56.097 64 

Loans on mortgage of personal property 718,078 79 569, 111 41 

Loans on notes endorsed or guaranteed by persons 

other than the borrowers 102,505 90 150,725 76 

Loans on assignments or orders for the payment of 

sabiy or wage* 2,204 46 1,716 05 

Pawn brokers' loans 57,464 68 69,425 32 

Furniture and fixtures 6,578 14 6.842 36 

Other assets 88,549 44 136,028 73 

Total resources $1,022,331 85 $1,001,873 93 

Liabilities 

IVrmanent capital $718,875 00 $731 .425 00 

Surplus 81,222 45 89,628 52 

Borrowed money 207,142 98 1G0,3S2 82 

Other liabiUties 15,091 42 11,137 59 

Totalliabilitie^ $1,022,33185 $1,001,873 93 



28 



AsNUAL Refo»t of thx 



List of Personai. Loaw Companies awd Pbbsonal Loan 

Brokers Together with Capital 

The following table contains the names, locations and amotrnt 
of capital of the Personal Loan Companies a-nd Personal Loan 
Brokers engaged in business jn this State on December 31, 1918: 



Name 



American Credit Company 

Broadway Personal Loan Company 

Buffalo Security Company 

Cayuga Loan Company 

Chattel Loan Society of New York, Inc 

City Personal Loan Company, Inr 

Elmpire City Personal Loan Co., The 

Fidelity Personal Loan Company 

Fourteenth Street Personal Loan Company 

Guardian Personal Loan Company 

Home Credit Company 

Interboroufih Personal Loan Company 

Merchants Personal Loan Company 

Onondaga Provident Loan Association, Inc 

Personal Loan Association of Onondaga County, Inc 

Provident Loan Company of Buffalo 

Provident Loan Society of Rochester 

Remedial Loan Society of Buffalo, Inc., The 

8t. Bartholomew's Loan Association 

Standard Credit Company of Buffalo 

Syracuse Loan Company 

Union Loan Company 

Ut ca Providen ' Loan Association 

Westchester Pro.ident Person tl Loan Company 

Ywnkors Personal Loan Cora;>any 

Abe H. Kavoviti and Lillia Kavovitz, Personal Loan Brokers. 
Charles C. Trueedell, Perponal Loan Broker 



Location 



Total 



Buffalo 

New York 

Buffalo 

Aubam 

New York City . . 
?Jew YorkCSty.. 

EUnhurst 

New York City . . 
New York City . . 
New York City . . 

Buffalo 

Brooklyn 

Brooklyn 

Syracuse 

Syracuse 

Buffalo 

Rochester 

Buffalo ^ . 

New York City . . 
Buffalo 



Syracuse 

Syracuse 

Utica 

Nfount Vernon. 

Yonkers 

Port Chester... 
Syracuse 



CaiMtal 



$10,000 OO* 
10.000 OO 
10.000 OO 
10.000 OO 

200.000 OO 
10.000 OO 
10.000 OO 
10.000 OO 
48.600 OO 

100.000 OO 
10,000 00 
10.000 00 
10,000 OO 
40,000 OO 
10.000 00 
10.000 OO 
64.550 00 
18.000 00 
40.275 00 
10.000 OO 
10,000 00 
10,000 OO 
35,000 00 
10,000 OO 
10.000 00 
5,000 OO 
10,000 OO 



$731,425 OO 



Fui\i)s OF Closed Savinos Banks Still Held by the Super- 
intendent 

While the failure of a savings bank is exceedingly rare under 
present ret^trictions and supervision, there was a period, many 
years ago, in the early stages of their development when sucb 
failures were not uncommon. 

The fc»llowing table gives the names of closed savings bnnks, 
the years in which they were organized, the date of closing, the 



Snp£sisrTE^'DSirT of Banks 



29 



percentage of deposits paid to claimants, the amount deposited 
T^ith this department^ the amount disbursed to claimants and the 
balance still remaining in the custody of the Superintendent: 






V4 



1S69 
1880 
186S 
1S67 
1S57 
1866 
1870 
186S 
186S 
1S71 

1869 
loW? 
1892 



1884 
1880 
1899 
1868II877 



J 

s 



1876 
187« 
1871 
1875 
1860 
1880 
1877 
1877 
1877 
1886 



1806 
1904 
1871 
1886 

1871 
1852 

1865 
1868 
1869 
1874 
1869 
1868 
1863 
1869 
1867 



1888 1879 



1854 
1854 
1870 



1875 
1908 
1879 
1880 
1880 
1876 

2883 

1875 
1S76 
1879 
1877 
1880 
1S75 
I8SI 
1877 



1878 
1875 
1876 



1873 IB78 



Name or iMrriTOtKm 



Abingdon Square Savings Bank 

Bond Street Ssrings Bank, N. Y 

Bowling Oraen Savingp Bank 

Ceatial Paric flairii^ Bank 

Ceatral Savings Bank, Troy^ 

Chautauqua County Savings Bank* . . 

Clurmont Savings Bank 

Clinton Savings Bank ..^ 

Coxsackie Savings Institute* 

East Side Saviivs Baiflc for Sailors, 

New York* 

EleHrentli Ward Savings Bank* 

Equitable Savings Institution* 

FuHon County Savings Bank* 

German Savings Bank of the Town of 

Momaaiua 

German Uptown Savings Bank 

Guardian Savings Bank, Brodklyn *. 

Harerstraw Savings Bank 

Hope Savings Bank, Albany* 

Mochanios* Savings Bank, BrooKlyn * 
MechanioB and Traders* Savings In 

fltittftion. New York 

Morrisania Savings Bai^ * 

Mutual Benefit Savings Bank 

New Amsterdam Savings Bank 

Newtown Saviogs Bank * 

Oriental Savings Bank, New Toilc. . . . 

Park Savings Bank. Brooklyn * 

People's Saviogs Bank, New York. . . . 

Port Jenris Savings Bank * 

Saratoga Savings Bank , 

Baoufiily Sairinsi Bank, New York 

Sixpenny Savings Bank, New York. . , 
Third Ave. Savings Bank, New York 

Trades Savings Bank, New York 

pt Springs 



Total. 



Rate 
per cent 

of 
dividend 
declared 



48 

86S 

35 

30 
100 
100 

15 

68.169 
100 

100 
100 
100 
100 

46 1-6 

64 
100 

75 
100 
100 

71 
100 

64 

77 
100 

60) 
100 

48 7-12 
100 

S8 

611 

85.55 

19 

15 
6 



Undatmed 
dividends 
deposited 

with 
superin- 
tendent 



8930 37 

21.182 88 

3.904 29 

1,497 76 

49 72 

2 24 

501 90 

831 91 

258 32 

796 51 

1.833 19 

150 49 

26 32 

3,656 86 

5,S98 70 

888 27 

. 996 04 

320 71 

329 39 

14.315 91 

842 74 

7,554 86 

429 79 

1 40 

2,255 50 

329 44 

5.530 96 

251 97 

437 88 

1.865 72 

39,319 89 

895 15 

547 32 

18D 89 



S118.155 29 



PAidby 
superin- 
tendent 

te 
claimants 



8483 70 

10,807 77 

22 51 

704 19 



17 98 
81 14 
19 60 



239 98 

45 

4 22 

1,491 38 

1,143 08 

701 03 

327 21 



7.059 83 
670 88 
3,656 84 
13 871 



299 86 



3.214 84 

248 13 

1 82 

680 92 

12,676 47 

479 60 

3 72 

88 17 



Balanca 
undaiatad 



8446 67 

10.625 11 

3,971 78 

793 57 

49 72 

2 24 
483 92 
750 77 
238 73 

796 51 

1,593 21 

ISO 04 

22 10 

2,165 48 
4.455 62 
187 24 
268 83 
320 71 
829 39 

7.256 08 
171 86 

3,888 02 

415 92 

1 40 

1.955 84 
329 44 

2,316 12 

3 84 
436 06 

1.884 80 

26,644 42 

415 55 

543 60 

144 72 



144,736 19 $73,419 10 



30 



AxNUAL Report of the 



Kesources of Savings Banks, State Banks, Trust Companies- 

AND Safe Deposit Companies 

In order to show the growth and development of the above- 
named classes of State institutions, it has been customary to 
publish in this part of the report a statement showing the total 
resources reported by them during a long series of years. A 
mere cursory examination of the figures is enlightening. 

The following table shows the total reported resources of the 
institutions named as of the dates nearest January 1 from 189& 
to 1919, inclusive: 



date 


Savings bankA 


* 

Banks of deposit 
and discount 


Trust companies 


Safe deposit 
companies 


1899, January 1 


$923,420,861 


$355,485,972 


$579,205,442 


$5,197,99^ 


1900, January 1 


1,000.209.099 


366.304,182 


672,190,671 


5,269,271 


1901, January 1 


1,066,019,216 


380.711,930 


797,983,512 


5.255,452 


1902, January 1 


1,131,564,624 


421,616,408 


969,403.911 


5,663.016 


1903. January 1 


1,191,327,573 


366,932.347 


1,039,956,625 


6.111,411 


1904, January 1 


1.238,800.468 


382.080.238 


1.039.735,828 


6,939,799 


1905, January 1 


1.311,993,505 


497,378,209 


1,364,016,015 


7,354.553 


1906, January 1 


1,405,800,004 


522.616.915 


1.312,799,130 


7,419,085 


1907, January 1 


1,464,950,833 


567,986,011 


1,365,245,430 


8.113.235 


1908, January 1 


1,465,295.677 


509.680,073 


1.012,747,930 


8,375,569 


1909, January 1 


1.536.610.547 


614,707,421 


1,477,575,489 


9,352,822 


1910, January 1 


1.628,916.868 


610.421,807 


1,604,203,727 


9,583,960 


1911, January 1 


1.695,650.793 


610.142,579 


1,515,453,650 


8.621,722 


1912, January 1 


1,780.862.290 


611,632,378 


1,690,075,954 


8.094,038 


1913, January 1 


1,861,783,753 


617,063,267 


1.598,555,823 


8.658,127 


1914, January 1 


1,926.334,331 


625,806,406 


1.574,666.207 


8.964,583 


1915, January 1 


1.912.204.573 


648,234,361 


1.740.598.437 


8,855,261 


1916, January 1 


1.974.046.375 


793,428,884 


2,532,892,786 


8,912,606 


1917, Januar>' 1 


2.139.299,037 


901,845,248 


2,744,317,081 


8,900,505 


1918, January 1 


2.165.939.081 


932,437.232 


3,164.170.014 


9,855,546 


1919, January 


2.231,461,928 


1,020,241.730 


3.221,371,809 


10.406.332 



List of Securities Held in Trust by the Superintbisdent 

OF Banks 

State Banks and Investment Companies not engaged in the 
receipt of general deposits are required to deposit bonds with 
the Superintendent of Banks, in order to secure the payment of 
assessments for expenses made against them. Trust Companies 
and Investment Companies engaged in the receipt of deposits are 
required to make deposits with the Superintendent of Banks for 



SuPrKINTENDENT OP BaNKS 31 

the special protection of the depositors with and creditors of 
sTich companies. The following list gives in summary form the 
different securities held by the Superintendent of Banks for the 
Ijenefit of the depositors with and creditors of the trust com- 
panies of the State and the depositors with the two investment 
( ompanies which have qualified for this purpose : 

United States 2 per cent bonds S2,000 OO 

United States 3J per cent bonds 37,000 00 

United SUtes 4 per cent bonds 100,000 00 

United SUtes 4i per cent bonds 700,000 00 

New York State 3 per cent bonds 1,190,000 00 

New York State 4 per cent bonds 393,000 00 

New York State 4} per cent bonds 30,000 00 

Xew York State 41 per cent bonds 207,000 00 

Albany City 3i per cent bonds 10,600 00 

Albany City 4 per cent bonds 6^000 00 

Brooklyn City 3^ per cent bonds 240,000 00 

Buffab City 3i per cent bonds 60,000 00 

Buffalo Crty 4 per cent bonds 20,000 00 

Buffalo City 4} per cent bonds 66,000 00 

Cohoes aty 31 per cent bonds 2,000 00 

Jamestown City 4 per cent bonds 36,000 00 

Jamestown City 4i per cent bonds 5,000 00 

Middletown City 3§ per cent bonds 20,000 00 

Mount Vemon City 4 per cent bonds 12,000 00 

Niagara Falls City 4 per cent bonds 30,000 00 

New York Qty 2J per cent bonds 330,000 00 

New York City 3 per cent bonds 397 , 600 00 

New York City 3} per cent bonds 2,574,500 00 

New York City 4 per cent bonds 1,070,500 00 

New York City ^ per cent bonds 3,068,000 00 

New York City 4i per cent bonds 3,261,500 00 

Rochetter City 3) per cent bonds 80,000 00 

Rome City 4 per cent bonds 10,000 00 

Troy City 4J per cent bonds ; 25,000 00 

Troy City 4i per cent bonds 2,000 00 

UticaGty 4 per cent bonds 8,000 00 

Watertown City 4i per cent bonds 40,000 00 

Livingston County 4} per cent bonds 25,000 00 

Cuadaigua VilUge 4.95 per cent bonds 2,000 00 

little Valley VUlage 4.95 per cent bonds 4,190 40 

Total $14,054,790 40 



On the first day of January, 1918, the total United States 
l^onds so held was only $29,000. It appears therefore that there 
has been an increase in the United States bonds held in trust of 
$S10,000. 

Conclusion 

There will appear in the appendix to this report in condensed 
form the reports of the trust companies of the State as of the 



32 Annual Eepokt of tkk Superintendent of Banks 

dates on which they were called upon for reports during tike 
year and the reports of the savings banks, inTestment eompxaies, 
safe deposit oompanies, personal loan companies and personal 
loan brokers as of the thirty-fir^t day of December, 1916. 

The appendix will also contain the usual laiige table showing 
Ihe condition of the savings banks of the State at the close of 
business on December 31, 1918, and another statement, show- 
ing their resources and liabilities by counties. A third table 
will give general statistical information with Teferen<?e to the 
savings banks from January 1, .1858 to the piesent time. There 
will also be published in the appendix a statement showing in 
detail the securities held by the Superintendent of Banks on the 
first, day of Januarj^, 1919, in trust for the creditow of and 
depositors with each of the trust companies of the State and 
the two investment companies to which referenoe has been hermiL- 
before made. 

Respectfully submitted, 

GEORGE L SKUTiTEE, 

Buperintendefit of Banks. 



APPENDIX 



[33] 



DETAILED STATEMENT 



OF THE 



Condition of the Savings Banks 

AND 

INSTITUTIONS FOR SAVINGS IN THIS STATE 

ON THE 

First Day of January, 1919, as Compiled from Ttieir Reports 

to tlie Superintendent of Banks 



[the banks abb arranqbd alvhabeticallt bt counties] 



[35] 



ALBANY COUNTY 



1. ALBANY CITY SAVINGS INSTITUTION, ALBANY 

[100 state street; incorporated 1850] 

' WILLIAM fi. HACKBTT, Preeldent. FRANK H. WILLIAMS, Treasurer. 

GBORGB H. THACHBR, Vice-President. IX)U1S F. HARTMANN. Asat. Treasurer. 
JAMBS W. COX, Vice-President. 



JAMBS W. COX, 
OEORGB H. THACHBR, 
ALBERT HESSBERO, 
JONAS H. BROOKS, 
EDWARD J. GALLIBN, 
P. N. BOUTON, 



TRUSTEES 

WILLIAM S. DYER, 
JOHN A. DELEHANTY, 
CHARLES H. SARIN, 
C. L. A. WHITNEY, 
WILLIAM S. IIACKETT, 
FRBD'K W. KELLEY, 

FINANCIAL 



RUFUS K. PALMER. 
FRANK C. HBRRICK, 
B. PALMER OAVIT, 
WM. J. NBLLIS, 
HORACE S. BKLL. 
JACOB H. HERZOG. 



RESOURCES 

Bonds and mortgages $7, 116,500 81 

Stock and bond investments, viz.: 



Par 
Bioek9 and hands valae 

United States 1462,950 00 



Original 
cost 



Estimated 
market value 



Cities in other States 

Cities in this State 

Counties In this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds 



396,000 00 
617.800 00 
62,000 00 
158,600 00 
289.813 28 
228.400 00 
2,725.000 00 



^2.950 00 $462.960 00 



415.790 78 
636,762 22 
66,020 92 
164.510 01 
296.638 06 
236,484 84 



397.870 00 
500,462 80 
63.180 00 
1(^2,624 50 
296.809 79 
236.475 88 



2.919.168 54 2,607.370 00 



|4, 839. 963 28 $6. 098. 334 39 |4, 736. 742 97 



Promissory notes 

Banking bouse and lot, book value. $105,000; cost, $155,000; 

actual cash value 

Other real estate, book value, $22,412.20; cost, $22,412.20; 

actual CRsh value 

Gash on deposit in banks or trust companies 

Gash on hand 

Total of collectible interest 

Amount of all other assets, viz. : Rent accrued 



4,736 742 07 
2,571 18 

105,000 00 

22,412 20 

295.934 60 

116 369 97 

123,322 54 

2,033 33 

$12,519,887 00 



LIABILITIES 

Amount due depositors, viz.: 

Principal $11,566,034 62 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 224,107 37 

$11,790,141 99 
Surplus on market value 729, 746 61 



$12,519,887 60 



Surplus on par value, $832,965.92. 



GASH TRANSAGTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 1918, 

before transactions of the day $441, 733 05 

From depoeitors, not including dividends credited 2, 194.499 37 

From interest on loans, deposits and investments 620,258 56 

[36] 



Albany County 37 

■ 

From rents from banking house $13» 071 08 

From rents from all other real estate 1 ,238 36 

From mortgages 296,439 05 

From redemption of stocks and bonds 204 , 358 88 

From stocks and bonds sold (total par value, $452,350) 451,906 00 

From loans paid 38, 499 41 

From real estate sold 6 , 500 00 



$4,267,603 76 



PAYMENTS 

To depositors, inrluding dividends paid to them $2,985,323 13 

For loans on bonds and mortgages 49, 799 00 

For loans on stocks and bonds and other securities 41,070 60 

For stocks and bonds purchased, including premiums, com- 
missions, etc. (total par value, $700,100) 700, 100 00 

For interest (other than dividend parents to depositors) 600 79 

For current expenses of the bank, viz. : 

For salaries $18,649 6S 

For taxes: BanXlng honse^ |4,118.04; surplus, 

|3,839.€8 7,»67 7a 

For expeiwes, except taxes, of banking house: 

Repairs 4,658 23 

iDSumnce 330 00 

Other 6,684 76 

For expenses of other real estate, vis. : 

Repairs 458 88 

Insurance 203 96 

TAxn 176 90 

OtAer 1 80 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house... 11,008 S7 

60,026 27 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 28,236 06 

Other payments, viz.: Cash short 44 76 

Cash on hand said in banks or trust companies December 31, 

1918, after transactions of the day 412, 304 67 

$4,267,603 76 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 17,015 

Number of accounts opened or reopened during the year 6, 203 

Number of accounts closed during the year 3,914 

Amount deposited during the year, not including dividends 

credited for that period $2, 194,499 37 

Amount withdrawn during the year 2, 986, 323 13 

Amomit of dividends credited and paid for the year, viz.: 

July 1. 1918 $228,287 59 

JaBuary l. 1913 224,10737 

462, 394 96 

Average amount of each account January 1, 1919 692 92 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending Deceml3«jr 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $616, 120 63 

Total expenses of the bank for the year 1918 60,026 27 

Dividends paid to depositors for the year 1918 462, 394 96 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 112, 700 40 



38 



Report on Savings Banks 



2. ALBANY COUNTY SAVINGS BANK, ALBANY 

[88 State street; incorporated 1874] 



8BTH WHEEL.br, President. 
F. C. CURTIS. Vice-President 
WILLIAM P. RUDD, Vice-President. 



WM. N. S. SANDERS, Treasurer. 
C. B. BYRON, Assistant Treasurer. 
HENRY H. KUHN. SecreUry. 



FREDERIC C. CURTIS, 
8BTH WHEELBR, 
WM. N. 8. SANDERS. 
JOHN R. CARNBLL, 
WILLIAM SMITH, 
JAMBS B. LYON, 
CHAS. B. BYRON, 



TRUSTEES 
HBNRY R. WRIGHT, 
WM. L. VISSCHBR, 
JAMBS MILWAIN, 
MAIiCOM S. FEAREY, 
GEORGE A. WHITE, 
WILLIAM P. RUDD, 

PINANCIAL 



WILLIAM A. WHEELER, 

N. B. VANDBRZEB. 

RICHARD STEPHENS. 
HENRY H. KOHN, 
EDWARD W. RANKIN. 
JOHN T. D. BLACKBURN. 

CARL H. GRAF. 



RESOURCES 

Bonds and mort^ges $6, 899, 223 91 

Stock and bond investments, viz.: 



Btocks and bonds 

United States 

State of New York 

State of Massachusetts 

Cities in other States 

Cities in this State 

Counties in this State 

Villages in this State 

Railroad mortgage bonds.... 



Par 
value 

1665,160 00 
100. 000 00 
250,000 00 
169,000 00 
1.101,600 00 
229.000 00 
5.000 00 
931.000 00 



Original 
cost 

1666.150 00 
102,666 26 
200,417 60 
161,893 00 
1.144.006 63 
233,467 67 
6.000 00 
953.866 66 



Estimated 
market value 

1666,160 00 
101,000 00 
221,300 OO 
161.210 00 
1.061.660 00 
226,840 00 
4.600 00 
843,310 00 



13, 430, 660 00 |3. 616. 466 71 |3, 264, 970 00 



Banking house and lot, book value, $205,000; cost, $226,000; 
actuul caah value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz.: 

Thrift Stamps $S 75 

Insurance premiums advanced 410 99 



3,264,970 00 

205, 000 00 

328,163 23 

17,465 88 

172,387 35 



116 74 



$10,887,327 11 

LIABILITIES 

Amount due depositors, viz. : principal $10, 034, 866 34 

Other liabilities, viz.: 

DividendH accrued on dc^>oKitR to January 1, 1919 197.067 28 

Expenses incurred, but unpaid, viz. : 

Advertising 223 04 

Tax searches 250 00 

Sundries 60 39 



Surplus on market value, 



97,590 71 
754,870 06 

$10,887,327 11 



Surplus on par value, $920,550.06. 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Oaah on hand and in banks or trust companies January 1, 1918, 
before iransactiona of the day $453, 338 73 



From depositors, not including dividends credited 

From interest on loans, deposits and investments 

From rents from banking house 

From mortgages 

From redemption of stocks and bonds 

From stocks and bonds sold (total par value, $300,225) 



2,378,681 23 
542,302 48 
3,825 08 
592, 195 00 
770,500 00 
297, 845 56 



Albany- County 39 



From all other sources, viz.: 

Refund — Insurance preminms advanced 

U. S. War Savings and Thrift Stamps sold 

Difference between par value and cost of bonds pur- 
chased 

Difference between par value and proceeds of bonds 
sold 



IM2S 
1.791 40 




8.414 ao 




875 40 


$6,177 25 





$4,944,866 33 



PAYMENTS 



To depositors, including dividends paid to them $2, 919,206 64 

For louis on bonds and mortgages 66, 400 00 

For stocks and bonds purchased, including premiums, commis- 

aione, etc. (total par value, $1,566,310) 1 ,567,232 17 

For interest (other than dividend payments to depositors) 2,080 71 

For current expenses of the bank, vis. : 

For salaries $19.068 81 

For taxes : Banking house, $4.908.48 ; surplus, |6,810.32 11,118 80 
For expenses, except taxes, of banking house : 

Repairs 1,898 01 

Insurance 83 88 

Other 3,90669 

For expenses of other real estate, vis. : Taxes 94 32 

For other expenses not including expenses of other 
resl estate nor other expenses of banking house.. 7,828 86 

42,809 36 

Other peYmmte, viz.: 

Cash short $44 60 

U. 8. War Savings and Thrift stamps 2.35186 

Insurance premiums advanced 110 99 

2.507 34 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 345, 629 11 

$4,944,865 33 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 18, 183 

Number of accounts opened or reopened during the year 2,362 

Number of accounts cloeed during the year 2, 420 

Amount deposited durinff the year, not including diyidends 

credited for that period $2, 378,681 23 

.\moniit withdrawn during the year 2,919,206 64 

Amount of dividends credited and paid for the year, viz. : 

April 1, 1918 H99,917 14 

October 1. 1918 198.636 20 

396,453 34 

Average amount of each account January 1, 1919 707 52 

fiate p^ cent, of dividends to depositors during the six months 

ending March 31, 1918 4 

lUte per cent, of dividends to depositors during the six months 

ending September 30, 1918 4 

Total earnings of the baoik for the year 1918, after allowing 

for amortization of premiums and discounts $545,465 54 

Total expenses of the bank for the year 1918 42,886 03 

Dividends paid to depositors for the year 1918 396, 453 34 

^'et earnings for the year 1918 over expenses and dividends 

paid to depositors 106, 125 67 



40 riP:poRT ON Savings Banks 

3. ALBANY EXCHANGE SAVINGS BANK, ALBANY 

[460 Broadway; incorporated 1836] 

MARTIN T. NACHTMANN, President. MATTHEW J. WAIJ^ACE, Vice President. 
ALDEN CHESTER, Vice-President. LEMUEL B. WILMARTH. Treasurer. 

CARL M. CRONK, Asst. Treasurer. 

TRUSTEES 

JOHN J. GALLOGLY. THOMAS B. FINBGAN. JAMES H. HBAD, 

MATTHEW J. WALLACE. M. T. NACHTMANN, LEMUEL B. WILMARTH, 

JACOB S. FRIEDMAN, W. S. VAN DERZBB, HUGH A. ARNOLD, 

D. C. SLIN6BRLAND, LESTER H. HBLMBS, GEORGE B. RUSSELU 

ALDEN CHESTER. JOHN A. BECKER. HENRT H. BBNNIT. 

CHARLES H. TURNER. ARTHUR T. PALMER, CHAS. H. HAHN. 

FINANCIAL 

RESOURCES 

Bonds ajid mortgages $2,164, 282 50 

Stock and bond investments, viz.: 

Par Original Estimated 

Btocks and bonds value cost market value 

United States $133.40000 $133,40000 $133,400 00 

Cities in other States 194. 252 00 207, 462 89 196, 276 51 

Cities in tliis State 342.239 78 S61.831 23 343.490 94 

Towns in this State 43,175 00 45,37178 44,402 76 

Villages in this State 191,853 40 196.843 42 188,079 13 

School districts in this State 84.800 00 89.496 58 88,254 50 

Railroad mortgage bonds .... 539. 000 00 584, 872 12 484, 200 00 

$1. 528. 780 18 $1, 619, 268 02 $1. 478, 112 83 



1,478,112 83 
Banking house and lot, book value, $44,148,78; cost, $44,148.78; 

•actual cash value 44 , 148 78 

Gash on deposit in banks or trust companies 85, 410 37 

Cash on hand 10,603 64 

Total of collectible interest 60. 653 29 

Amount of all other assets, viz.: Rent accrued 127 08 



$3,843,238 49 

I#1ABILITIES 

Amount due depositors, viz. : Principal $3,527 , 104 17 

Other liabilities, viz.: 

Dividends accrued on depositn to .January 1, 1919.... $34,036 66 

Expenses incurred, but unpaid, viz. : 

Taxes accrued 2. 561 40 

Elevator rent accrued 75 00 

• 36.672 96 

Surplus on market value 279,461 36 

$3,843,238 49 

Surplus on par value, $330,128.71. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Gash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $42,094 40 

From depositors, not including dividends credited 942, 932 27 

From interest on loans, deposits and investments 189,309 92 

From rente from banking house 724 96 

From mortgages 114,260 00 

From redemption of stocks and bonds 116, 113 98 

From stocks and bonds sold (total par value, $132,150) 132, 056 25 

$1,537,491 78 



Ai^ANY County 41 

PAYMSNTS 

To depoftitorB. including dividends paid to theni $1 , 180,613 62 

For loans on lx>nds and mortgages 11» 000 00 

For stix^k^ and Ixmds purchased, including prfmiums, comims- 

sions. eti-. (U>tal par value, $230,200) 215,887 50 

For interest (other than dividend payments t-o depositors) .... 776 30 

For current expenses of the bank, viz.: 

For salarim 18,725 00 

For taxeii : Banking house, ^1,290.77 ; surplus, $2,434.33 ; 

on mortgagee, |5d.0O 3,735 10 

For ex|)eiiMes(, except taxes of baukiiig liouite : 

Repairs 137 02 

laMurance 18ii 36 

Other 1,993 3G 

For other expenses, not including expenses of other 

read estate nor other expenses of banking hou.se. . 3. 6G0 ua 

18,431 39 

Other payments, viz, : 

Insurance to adjust flro loss, over credit of interest 

returned, cash short $450 46 

Deposit with subscription for bonds 14,312 50 

14,768 96 

Caah on hand and in banks or trust eompanieH December 31, 

1918, after transactions of the day 90,014 01 

$1,537,491 78 

STATISTICAL INFORMATIOX 

Number of open accounte January 1, 1919 6. 715 

Xumber of acoounts opened or reopened during the yetir. . . . 1,394 

Xnmber of accounts closed during the year 1 ,442 

Amount deposited during the year, not including dividends 

credited for that period $942,932 27 

Amount withdrawn during tlie year 1, 180, 613 62 

Amount of dividends credited and paid for the year. viz. : 

Aprfl 1, 1918 $70.953 31 

October 1, 1018 88,755 34 

139,708 65 

Average ankmnt of each acoount January 1, 1919 525 25 

Rate per cent, of dividends to depositors during the six months 

ending March 31, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending September 30, 1918 4 

Total earnings of the baaik for the year 1918, after allowing for 

amortization of premiums and discounts $183,517 38 

Total expenses of the bank for the year 1918 18,627 88 

Dividends paid to depositors for the year 1918 139, 708 65 

Xet earnings for the year 1918 over expenses and dividends 

paid to depositors 26, 180 85 



42 Keport on Savings Banks 

4. ALBAlfY SAYINGS BANK, ALBANY 

[SO North Pearl street; incorporated 1820] 

MABCU8 T. HUN, President. HENRY D. RODGERS, Treauurer. 

UBDTARD COGSWELL. Vlce-Pres. IIIEDERICK TOWNSEND, SecreUry. 

TH08. I. VAN ANTWERP. Vice-Pres. EDWARD J. TOOLBp Asst. Treasarer. 

TRUSTEES 

MARCUS T. HUN, FRED'K T0WN8END, T. I. VAN ANTWERP, 

ORANGE SARD, JAMES F. TRACY, HENRY M. SAGE. 

LEDYARD COGSWELL. E. N. HUYCK, LUTHER H. TUCKER, 

EDWARD N. McKINNBY, GERRIT Y. LANSING, ROBERT C. PRUYN, 

ARTHUR W. ELTING WM. V. R. ERVING. EDWIN CORNING. 

BENJAMIN W. ARNOLD, CHARLES E. McELROY. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $21,010,97100 

Stock and bond investments, viz.: 

Par Original Estimated 

Stoek9 ami bonds value cost market valne 

r-nlted states $2,291,646 00 12,291,64600 12,291,646 00 

State of New York 130.000 00 140,904 85 138,740 00 

State of Massachusetts .... 60.000 00 56,169 00 48,600 00 

Cities in other States 2, 240. 500 00 2, 410. 868 78 2. 173. 970 00 

Cities in this State 2.088.376 00 2,236,60193 2.07«,836 GO 

Counties in this State 812,464 43 860,484 42 790,820 84 

Villages in this State 10.000 00 10.987 60 9.900 00 

School districts in this State 69.300 00 71,292 00 71,927 00 

Railroad mortgage bonds.... 9,602.000 00 10,060,279 47 8,296.270 00 

$17,300,275 43 $18,127.033 96 $15,889.109 84 

Promisaory notea 4,100 00 

Banking house and lot, book value, $225,000; eo«t, $395,939.30; 

actual oaflh value 225,000 00 

Other real estate, book value, $1,104,163.72; cost $1,104,- 

163.72; axstual cfish value 972, 846 88 

Cash on deposit in banks or trust companieR 1, 299,738 52 

Cash on hand 227,443 78 

Total of collectible interest 334, 980 61 

Amount of all other aAsets, viz.: 

Rent aconied $3, 400 00 

U. S. Thrift Stamps 212 11 

3,612 11 



$40,587,802 74 
LIABILITIES 

Amount due depositors, viz. : 

Principal $37,406.420 79 

Divldend.s creditetl or to be credited for the hIx 
months ending with December 31. 1918 723. 176 62 

$38, 129,696 31 

Other liabilities: Deposits on account of Liberty Bonds 

purchased * 57, 322 89 

Surplus on market value 2, 380,883 54 

$40,567,802 74 
Surplus on par value, $3,792,049.13. ======: 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $2»027, 465 04 

From depositors, not including dividends credited 6,161 ,183 12 

From interest on loans, deposits and invest men tH 1, 825,666 77 

From rents from other real estate 63, 226 79 

Trom mortgages 823, 362 00 

Fr<Hn redemption of stocks and bonds ] , 145,327 82 

From stocks and bonds sold (total par value, $894,750) 894,750 00 

From loans paid 100. 000 00 

From real estate sold 136,500 00 



Albany County 43 



From all other sources, viz.: 

Befond insurance premiums advanced, cash over, 

sale old material $173 48 

laterest on W. S. S., exchange and refunds 77 83 

Settlement of claim 238 6S 

Sale War "SaTings and Thrift Stamps 1. 632 89 

Partial payments on Liberty Bonds 277.359 73 



$279,382 61 



$13,456,865 05 



PAYMENTS 

To depositors, including dividends paid to tliem $7,830, 198 67 

For loans on bonds and mortgages 418, 150 00 

For loans on stocks and i)onds and other securities 4, 100 00 

Fur stodcs and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $2,898,996) 2,898,390 40 

Fot intersst (other than dividend payments to depositors) .... 7, 413 90 

For current expenses of the bank, vie. : 

Per salaries 149,08190 

For taxes : Banking house, |7,721.4S ; surplus, 120,481.89 28,203 37 
For expenses except taxes of banking house: 

Repairs 3,898 69 

Insurance 113 10 

Other 6,13154 ' 

Vor expenses of other real estate, vis. : 

Repairs 21,63198 

Insurance 2, 297 18 

Taxes 17.455 45 

Other 26.893 77 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 17,047 72 

172,154 60 

For real estate acquired by foreclosure, or in settlement of 
debU due the bank 369,147 08 

Other payments, viz. : 

Cash short and interest adiustments $232 27 

Paid for War Savings and Thrift Btampi> 858 99 

PsTments. Liberty Bond account 120,096 84 

221, 128 10 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 1, 527, 182 80 

$13,456,865 05 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 62,820 

Number of accounts opened or reopejwd during the year .... 5, 667 

Number of accounts closed during the year 7, 115 

Amount deposited during the year, not including dividends 

credited for that period $0, 101,183 12 

Amount withdrawn during the year 7, 839, 198 67 

.Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 1727.88152 

January 1, 1919 723,175 52 

Paid but not credited 57 27 

— ^ 1,461, 114 31 

.Average amount of each account Jani>ary 1, 1919 721 88 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, oi dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $1 ,857, 199 55 

Total expenses of the bank for the year 1918 172, 386 87 

Dividends paid to depositors for the year 1918 1,451, 057 04 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 233, 755 64 



44 Report on Savings Banks 

5. COHOES SAVINGS INSTITUTION, COHOES 

[66 Remsen street; Incorporated 1861] 

GBOBOE H. McDOWBLL, PreBident JAMES W. ABLETI^. Vice-President. 
GEO. E. WILSDON, Vice-President. CHARLES R. FORD, Treasorer. 

TRUSTEES 

GEO. H. MCDOWELL, JOHN LAUOHLIN. JAMES S. CALKINfi. 

JAMES W. ABLETT, MERRITT D. HANSON, JOHN F. McGARRAHAN, 

GEORGE R. WILSDON. WILLIAM D. BOSWELL, CHARLES L. MITCHELU 

GEORGE A. HARPER, CHARLES R. FORD. WILLIAM J. ELLIOTT, 

JOHN W. KLINE, ISAIAH FELLOWS, NAPOLEON FAVREAU, 

JAMES AITKEN, JOHN F. SCOTT. 

FINANOIAL 

RESOURCES 

Bonds and mortgages 11,707, 742 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btook9 and bonds value cost market value 

United States ^467.36000 ^H 334 40 1467.86000 

State of California 20, 000 00 19. 181 40 19, 000 00 

Cities in other States 681.000 00 606. 436 07 677, 960 00 

Cities in this State G40.30G 42 648.778 62 627.293 67 

Counties in this State 16, 000 00 16, 864 60 14. 860 00 

Towns in this State 20.000 00 20.12100 19.670 00 

Villages in this State 112. 864 00 119. 909 71 109. 940 46 

School districts in this State 6,000 00 6,000 00 6.088 00 

Railroad mortgage bonds.... €10.000 00 610,827 98 626.360 00 

12, 472. 610 42 |2. 612. 463 68 $2, 368, 392 03 



2,368,392 03 
Banking house and lot, book value, $25,000; cost, $55,770.40; 

actual cash value 26, 000 00 

Cash on deposit in banks or trust compandes 172,252 32 

Gash on hand 16, 272 11 

Total of coHectible interest 40,970 69 



$4,329,629 16 



LIABILITIES 
Amount due depositors, viz.: 

Principal 13.937,643 68 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 74, 483 72 



$4,012,127 40 
Surplus on market value 317, 601 75 

$4,329,629 15 



Surplus on par value, $421,620.14. 

CASH TRANSACTIONS DURING THE YEAR 1918 

BBCEIPTS 
Cash on hand and in banks or trust companion January 1, 1918, 

before transactions of the day $117, 760 97 

From depositors, not including dividends credited 915, 03 121 

From interest on loans, deposits and investments 193,353 79 

From mortgages 169,043 00 

From redemption of stocks and bonds 171,899 17 

From stocks and bonds sold (total par value, $319,445) 321,820 00 

From loans paid 15, 285 00 

From all other sources, viz. : 



Pocket ban4c deposits $66 00 

Cash over 140 00 



196 00 



$1,904,389 14 



Albany County 45 

payments 

To depoeitors, including dividends paid to them $032,614 28 

For loanB on bonds and mortgages 83, 130 00 

For louis on stock« and bonds and other securities 16,286 00 

For stodLs and bonds purchased, including premiums, commis- 

uoQs, etc. (total par vailue, $665,486) 662, 470 40 

For interest (other than dividend payments to depositors) 2,207 12 

For carrent expenses of the bank, viz.: 

For salaries |10,(HH 00 

For taxes : Banking house, $700.56 ; surplus, |2,232 40 ; 

on mortgages, $2.60 2,085 46 

For expenses, except taxes, of banking house : 

Repairs IM 87 

Insurance 170 97 

Other 2,8010$ 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 4.610 56 

21, 167 91 

(^h on hand and in banks or trust companies December 31, 

1918, after transaction? of the day 187,624 43 

$1,904,389 14 



STATIiSTICAL INFORMATION 

Number of open accounts January 1, 1919 9, 679 

Number of accounts opened or reopened during the year 2. 690 

Number of accounts closed during the year 1, 919 

Amount deposited during the year, not including dividends 

eredited for that period $916,031 21 

Amounts withdrawn during the year 932,614 28 

Amount of dividends credited and paid for the year, viz. : 

July l,'m8 173,009 24 

January 1, 1919 74,483 72 

148,092 96 

Average amount of each account January 1, 1919 414 62 

Rate per cent, of dividends to depositors during the six months 

wding June 30, 1918 4 

Rate per cent, of dividends to depoeitors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $189, 787 02 

Total expenses of the bank for the year 1918 21, 167 91 

Dividends paid to depositors for the year 1918 148,002 96 

Net earnings for the year 1918 over expenses and dividends 

paid to depositor* 20, 536 15 



46 Report on Savings Banks 

6. HOME SAVINGS BANK OF XHB CITY OF ALBANY, ALBANY 

113 North Pearl street; incorporated 1871] 

THOMAS AUSTIN. PreBident. ARTHUR H. GEER, Treasurer. 

SAMUEL Lb MUNBON, Vice-President. FREDERICK W. WHITK. As8t. Treasurer. 

HOWARD N. FULLER, Vice-President. J. EDWARD POOLE, Secretary. 

TRUSTEES 

THOMAS AUSTIN, GEORGE W. McEWAN, W. W. BATCHELDBR, 

DAVID A. THOMPSON, WILLIAM MCDONALD, GEO. W. VAN SLYKB. 

SAMUEL L. MUNSON HOWARD N. FULLER, SILAS SPORBORG. 

NOEL S. BENNETT, THOMAS R. WARD, Jr.. JAMES E. (iLAVlN, 

WILLIAM SAYLBS, HILDRBTH J. ACKROYD, WM. T. BYRNE, 

M. W. TBBBUTT, J. EDWARD POOLE, E. A. VON SALIS. 

FINANCIAL 

RE>SOURCES 

Bonds and mortgages $6,333 ,300 87 

Stocks and bond inyestmente, vie. : 

Par Original Estimated 

8toek9 and bonds value cost marhet value 

United States $280,10000 $280,10000 $280,100 00 

State of Colorado 20.20000 20.20000 15.654 00 

State of Tennessee 19.304 00 19.798 39 19.497 04 

State of New Mexico 30.000 00 30.482 40 30.300 00 

State of Louisiana 8.000 00 8,242 40 8.480 00 

Cities in other States 332. 665 38 354, 791 49 345. 926 85 

Cities in this State 341,826 23 357,89131 342.500 44 

Counties in this State 8.000 00 7,863 44 7.750 00 

Towns in this State 25.24000 25.87017 25,28110 

Villases in this State 152. 140 00 158, 820 28 152, 272 90 

School districts in this State 76.572 46 80.602 80 76,977 60 

RaUroad mortgage bonds .... 2. 565. 742 00 2. 600. 665 OB 2. 278. 978 12 

$3. 849. 790 06 $3. 845. 227 77 $3, 683. 618 05 



3,583,618 05 

Promissory notes 7 , 902 42 

Banking house and lot, book value, $100,000; cost, $100,987.57; 

actual cash value 100,000 00 

Other real estate, book value, $2«,084.'29; cost, $26,883.29; 

actual cash value 26,084 29 

Cash on deposit in banks or trust companies 625,789 96 

Cash on hand 9,569 12 

Total of collectible interest 94,922 3^ 

Amount of all other assets, viz.: 

Rent accrued $329 98 

Insurance premiuinM and taxcK advanced 4,633 55 



4,963 .'53 



$10,786,156 58 
LIABILITIES 

Amount due depositors, viz. : 

Principal $9,796,062 24 

Dividends credited or to l>e credited for tho 

six months ending with Deccmlwr 31, 191S 188.252 41 



Other liabilities, viz.: 

Dividends accrued on deposits to January 1, 1919 — $352 90 

ExpenseR incurred, but unpaid, vis. : 

Advertising 170 95 

Electricity 25 00 



$9,981,314 68 



548 85 



Surplus on market value 801,293 5 

$10,786,156 58 
Surplus on par value, $1,067,465.06. ■ 

CASH TRAXSACTIOXS DURING I^E YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, • 

1918, before transactions of the day 702,249 13 

From depositors, not including dividends credited 1 ,964,360 ft3 

From interest on loans, deposits and investments 526,518 36 

From rents from banking house 7 , 120 82 

From rent-8 from other real estate : 2,312 GO 



Albany County 47 

From mortgagee $425,060 70 

From redemption of Btocks and bonds 446, 162 42 

?roin stocks and bonds sold (total par value, $775,708) 762,084 46 

From loans paid 51,501 81 

From real estate sold 12,091 14 

From all other sources, viz.: 

Imnranoe premiuixifi and taxen advanced, refundefl.. |3,C66 92 
Adjnfftment of depositor's account, appraisal expenHe 

refunded, rent 164 23 

Profit on sale of bonds 792 00 

4,613 16 

$4,895,074 81 
PAYMENTS 

To depositors, including dividends paid to them $2 » 537 » 403 44 

For loans on bonds and mortgages 69,012 67 

For loans on stocks and bonds and other securities 42,243 18 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value. $1,375,386.54) 1 ,548,418 86 

For interest (other than dividend payments to depositors) . . 5,339 67 

For current expenses of the bank, viz.: 

For salarlen $19,174 86 

For taxes : Banking house, 12,886.84 ; surplus, $6,536.76 9,423 60 
For expenses, except taxes of banking house : 

Repairs 119 17 

Insurance , 74 28 

Other 4,642 74 

For expenses of other real estate, vis. : 

Repairs 526 67 

Taxes 906 89 

Other 114 60 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 8,880 28 

43,863 49 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 6, 135 28 

Otiier payments, viz.: 

Insurance premiums, repairs and taxes adranced.. $7,86184 

Assessment and cash short 280 26 

Tax adjustment on real property sold 207 22 

8,299 32 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 635,369 10 

$4 896 074 81 
STATIOTICAL IN.POR'MATIOX = 

Number of open accounts January 1, lOlft 15,087 

Xmnber of accounts opened or reopened during the year. . . . 2,233 

Xumber of accounts closed during the year 2, 148 

Amount deposited during the year, not including dividenda 

credited for that period T $1,964,360 83 

Amount withdrawn during the year 2,537 ,403 44 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 $190,235 98 

January 1, 1919 188,252 44 

Credited at other periods 1, 566 58 

380,054 00 

Average amount of each account January 1, 1919 665 88 

Rate per cent, of dividends to depositors during tlie six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortijsation of premiums and discounts $564*737 40 

Total expenses of the bank for the year 1918 45*098 62 

Dividends paid to depositors for the year 1918 380,054 00 

Xet earnings for the year 1918 over expenHea and dividends 

paid to depositora 129,584 78 



48 



Keport on Savings Banks 



1. TH£ MECHANICS ft FARHERS SAVINGS BANK, ALBANY 

[63 State street; Incorporated 1B661 

DUDLEY OLCOTT, President. ROBERT OLCOTT. Treasurer. 

CHARLES NEWMAN, Vice-President. CLARENCE W. STEVENS, Secretary. 

IRA F. JAGGER. Assistant Treasurer. 



DUDLEY OLCOTT, 
CHARLES NEWMAN, 
EDWARD W. VISSCHBR. 
ROBERT OLCOTT, 



TRUSTEES 

JAMES McCREDIE, A. PAGE SMITH, 

NATHAN HATCH, CHARLES H. DOUGLAS. 

PARKER CORNING, JOHN T. NORTON, 

WILLARD M. DOUGLAS, WALTER L. PALMER, 
W. L. L. PKLTZ, 



FINANCL^ 



RESOURCES 

Bonds and mortgages 

Stock and bond investments, viz.: 



$805,581 89 



Stocks and bonds 



Par 
yalue 



United States ^93,500 00 

State of New York 25.000 00 

State of Massachusetts 25,000 00 

Cities in other States 891, 000 00 

Cities in this State 502,000 00 

Counties in this State 14,000 00 

Villages in this State 29.000 00 

Railroad mortgage bonds 621,000 00 



Original 
cost 

1193,334 00 

25,006 40 

25,375 00 

416,570 07 

523,376 65 

14.000 00 

29,894 88 

679,977 50 



Estimated 
market rslue 

1193,346 00 

25,250 00 

21.750 00 

376,775 00 

466,865 00 

13,600 00 

29,190 00 

536.190 00 



11,800,500 00 $1,907,623 60 $1.662.9<>6 00 



Cash on deposit in banks or tmist companies 
Total of collectible interest 



1,662,066 00 

170,866 12 

29,713 6<J 

$2,669,126 70 



LIABILITIES 

Amount due depositors, viz. : Principal $2, 261 , 567 57 

Other liabilities, viz.: Dividends accrued on deposits to Jan- 
uary 1, 1919 21 .TioO no 

Surplus on marlcet value 386, 009 13 

$2,669,126 70 

Surplus on par value, $d2:3,&43.13. 



CASH TRANSACTION'S DURING TH'E YEAR 1918 

BBCEIPTS 

Cash on hand and in banivs or tru-st companies January 1, 

1918, before transactions of the day $181 , 147 20 

From depositors, not including dividends credited 426 , 624 1 1 

From interest on loans, deposits and investments 1 17,593 01 

From mortgages 53 ,085 00 

From redemption of stocks and bonds i>6, 717 37 

From stocks and bonds sold (total par value, $73,000) 70,561 80 

From real estate sold 6. 0G3 05 

$951,792 44 

PAYMENTS 

To depoeitora, including di\ndends paid to thenr J<oS6.2S8 96 

For loans on bonds and mortgages 500 00 

For stock and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $175,000) 175,000 00 



Albany County 49 

For current expenses of the bank, viz. : 

For salaries $4,55000 

For taxes: Surplus 3.757 96 

For rent of banking rooms 3,000 00 

For other exi>en8eB, not including expenses of other 
real estate nor other expenses of banking house.. 922 89 

$12,230 85 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 6, 0C3 05 

Other payments, viz.: 

U. S. War Savings stamps |834 00 

Adjustment of Interest 10 46 

844 46 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 170,865 12 



$951,792 44 



STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 4 ,036 

Xamber of accounts opened or reopened during the year 389 

Xumber of accounts closed during; the year 500 

Amount deposited during the year, not including dividends 

credited for that period $420,624 11 

Amount withdrawn during the year 586, 288 96 

Amount of dividends credited and paid for the year, viz.: 

April 1, 1918 $44,294 IS 

October 1, 1018 43,34155 

Credited at other periods.... 10 46 

87,649 16 

Average amount of each account January 1, 1919 560 34 

Rate per cent, of dividends to depositors during the six months 

endmg March 31, 1918 4 and 3i^ 

Rate per cent, of dividends to depositors during the six months 

ending September 30, 1918 4 and SV2 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $111,667 81 

Total expenses of the bank for the year 1919 12,230 85 

Dividends paid to depositors for the year 1918 87 » 649 16 

Xet earnings for the year 1918 over expcnscii and dividends 
paid to depositors 11 ,787 80 



60 Report on Savings Banks 

8. MECHANICS' SAVING BANK, COHOES 

[89-91 Remsen street; incorporated 1873] 

RODNEY WILCOX, Preflldent. JAMES & CLUTB. Treumrer. 

GEORGE OLIYERp Yice-Prefiident. G. W. HUMPHREYS, Secretary. 

TRUSTEES 

RODNEY WILCOX. G. W. HUMPHREYS, JOHN F. REAVY. 

C. J. GRIFFIN, Wm B. LeROY. JAY GILBERT, 

FRANK TESSIER, GEORGE OLIVER, THOS. H. SPRAGUE, 

EDWARD FOLEY. WILLIAM E. THORN. HENRY L. SHAVER. 

JAMES S. CLUTE, ANDREW SCOTLAND. S. T. PAGE. 

JOHN E. Maclean, RICHARD BOLTON, M. J. KEOUGH. 

FINANICIAL 

RESOURCES 

Bonds and mortgages $1 ,040, 115 00 

Stock and bond investments, viz.: 

Par Original E2stimated 

Stocks and bonds valne cost market value 

United States I22S.66000 1223.66000 $228.060 00 

Cities in other States 60.600 00 63.968 76 60,666 00 

Cities in this State 106,910 00 108.18193 103.688 60 

Towns in this State 14. 780 00 14.646 90 14,666 00 

Villages In this Stete 47. 380 00 48. 946 34 46. 966 20 

School districts in this State 10,000 00 11,284 00 10.460 00 

Railroad mortgage bonds.... 481.000 00 421.973 97 867,210 00 

1892. 220 00 $892. 649 89 $827, 284 70 

— = — 827,284 70 

Other real estate, book value, $12,400; cost, $13,738.57; actual 

cash value 12,400 00 

Cash on deposit in banks or trust companies 121 ,788 16 

Ca«h on hand 20,862 47 

Total of collectible interest 33,365 35 



$2,055,815 68 

LIABILITIES 

Amount due depositors, viz.: 

Principal $1,892.985 83 

Dividends credited or to be credited for the six 

months end ing with December 31, 1918 36, 149 59 

$1,928,134 92 

Surplus on market value 127 ,680 76 

$2,055,815 68 

Surplus on par value, $192,616.06. 

CASH TRANSACTIONS DURING THE YEAR 1918 

BECBIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $91 ,527 36 

From depositors, not including dividends credited 580,841 77 

Prom interest on loans, deposits and investments 93,447 59 

From rents from other real estate 1 » 545 00 

From mortgages ^3 , 052 00 

From redemption of stocks and bonds 113,760 00 

From stocks and bonds sold (total par value, $115,050) 115,050 00 

From all other sources, viz.: 

Bills payable, loan $50,000 00 

V. S. Thrift Stamp. ^KMW ^^^^ ^ 



(1,140,013 72 



Albany County 51 

payments 

To depoaitora, including dividends paid to them $577,214 63 

FoT loans on bonds and mortgages 6,800 00 

Bonds purchaaed, including premiums, commissions, etc. 

(total par value, $348,251 ) 348,251 00 

for interest (other than dividend payments to depositors) . . . 1,707 30 

For current expenses of the bank, viz.: 

For salaries $6.317 00 

For taxes : SurpluB, 1740.76 ; on mortgages, 110.00 769 76 

For rent of banlcing rooms 1,200 00 

For expenses of other real estate, vIb. : 

Repairs 666 48 

Insurance 164 70 

Taxes 332 18 

Other 34 09 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house. . 3, 146 06 

12,600 16 

Other payments, vis.: 

Loan paid $60,000 00 

U. & Thrift stamps 790 00 

50, 7W) 00 

Cash on hand and in banks or trust companies December 31, 

1018, after transactions of the day 142,650 63 

$1,140,013 72 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 4,286 

Number of accounts opened or reopened during the year 1,482 

Number of accounts closed during the year 962 

Amount deposited durins the year, not including dividends 

credited for that period $580, 841 77 

Amount withdrawn during the year 577, 214 63 

Amount of dividends credited and paid for the year, viz.: 

July 1^ 1918 $34,642 12 

January 1. 1919 35,149 69 

69,791 71 

Average amount of each account January 1, 1919 449 97 

Rate per cent, of dividends to depositors during the six months 

maing June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $94, 223 32 

Total expenses of the bank for the year 1918 13,898 77 

DiTidends paid to depositors for the year 1918 69,791 71 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 10,532 84 



52 Report on Savings Banks 

0. THE NATIONAL SAVINGS BANK OF TH£ CITY OF ALBANY, ALBANY 

[70-72 State street; incorporated 1868] 

JAMES H. MANNING, President. FREDERIC B. STEVENS, T^asurer. 

CHARLES GIBSON, Vice-President. EDWARD J. HU8SEY, Vice-Presldent. 

TRUSTEES 

JAMES H. MANNING, JAMES F. MAAS. EDWIN U DRAPER, 

JONAS MUHLFBLDER, FRANK SHERMAN, FREDERIC B. STEVENS, 

W. M. WOODWARD, SYDNEY T. JONES, EDGAR M. HAINES, 

CHARLES GIBSON, THOMAS A. HORTON, CHARLES M. STUART. 

EDWARD J. HUSSEY, JOHN ALLEN JAMISON, JB. 

IHNANICLAL 
RESODBTETS 

Bonds and mortgages $8, 575, 138 00 

Stock and bond investments, viz.: 

Par OrijTinal Estimated 

Stocks and bonds value cost market value 

United States |932.e00 00 |932.e00 00 1992,60000 

State of New York 60,000 00 53.562 50 56.000 00 

State of Louisiana 180,000 00 178,236 00 185,400 00 

Citiefl in other States 493,000 00 522,543 78 503.083 60 

Cities in this State 489,400 00 506,690 66 498,98100 

Counties in this State 79,000 00 81,918 38 80,364 40 

Towns in this State 67,90000 69,563 10 68.256 00 

Villafres in this State 280, 600 00 289. 863 48 284, 670 30 

School districts in this State 42,985 00 43.776 16 43,366 60 

Railroad mortgage bonds .... 2, 886, QOO 00 2, 994, 262 68 2, 749, 490 00 



15, 600, 485 00 %&, 673, 016 74 $5, 401, 211 90 



5,401,211 90 

Promissory notes 1 ,(*9i» 00 

Banking house and lot, book value, $145,000; cost, $151^86.46; 

actual cash value 145,000 00 

Other real estate, book value, $8,550.3^; cost, $8,550.92; 

actual cash value 8, 559 32 

Cash on deposit in banks or trust companies 558, 116 17 

Cash on hand 60,394 73 

Total of collectible interest 167,585 87 

Amount of all other assets, viz.: 

Deposit against Liberty Bond Installmont pnymcnts |109,207 31 

U. S. War Savings Stamps 846 00 

110,053 31 



$15,027,749 30 

LIABILITIES 

Amount due depositors, viz.: 

Principal $13,684,921 34 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 265, 843 69 

$13,950,764 92 

Other liabilities, viz.: Libcrtv Inrnd deposits 109,207 31 

Surplus on market value 967,777 06 

$15,027,749 30 
Surplus on par value, $1,067,050.16. 

CASH TRANSACTIONS DURING THE YEAR 1918 

BECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $530,561 02 

From depositors, not including dividends credited 2,821,309 97 

From interest on loans, deposits and investments 716,671 34 

From rents from other real estate 120 00 

From mortgages 583 , 835 43 

From redemption of stocks and bonds 643, 530 00 



Albany County 53 

From stocks and bonds sold (total par value, $627,100) $827,497 88 

Prom loans paid 17 ,385 80 

From all other sources, viz.: 

Cash over, sale of equipment and old material, 
sundries $574 15 

Profit on bonds Bold 84 97 

Difference between par value and purchase price of 
bonds 2. 133 40 

2,792 52 



$5,043,703 96 



PAYMENTS 



To depositors, including dividends paid to them $3,489,306 90 

For loans on bonds and mortgages 424,908 43 

For loans on stocks and bonds and other securitieH 19,075 80 

For stocks and bonds purchased, including premiums, cammin- 

sions, etc. (total par value, $1,330,450) 1 ,330. 479 64 

For interest (other than dividend payments to depositors) . . . 6,895 01 
For current expenses of the bank, viz. : 

For salarjea 123,680 01 

For taxcR : Bankini; house, $3,286.12 ; surplus, 16,926.63 * 

on mortgages, 186.75 9,297 50 

For expenses, except taxes, of banking house: 

Repairs 203 90 

Insurance 83 21 

For expenses of other real estate, vis. : 

Insurance 9 45 

Taxes 1.91 13 

Other 16 15 

For otlier expenses, not Including expenftes of other 

real estate nor other expenses of banlcing houHe 16,067 06 

: 49.548 41 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 3,533 58 

Other payments, viz. : 

r. $1. War Saving Stamps purchased $834 00 

Cash short and sundries 621 20 

1,445 20 

CftAh on hand and in banks or trust companies December 31, 

1918, after transactions of the day 618, 510 90 

$5,943,703 96 

STATISTICAL INFORMATTOX 

Number of open accoimts January 1, 1919 20, 108 

Number of accounts opened or reopened during the year 3,209 

Number of accounts closed during the year 4,06*2 

Amount deposited during the year, not including dividends 

credited for that period $2,821,309 97 

Amount withdrawn during the year 3,489,306 99 

Amount of dividends credited and paid for the year, viz. : 

July 1. 1918 $267.332 14 

January 1, vns 266.843 59 

533,175 73 

Average amount of each nerount Januarv 1, 1919 G03 79 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of diwdends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiunrs and discounts $701 ,553 70 

Total expenses of the bank for the year 1918 49,548 41 

Dividends paid to depositors for the year 1918 533, 175 73 

Xct earnings for the year 1918 over expenses and dividends 

paid to Sspoftitors 118, 829 65 



BRONX COUNTY 



10. THE BRONX SAYINGS BANK, NEW YORK aXT 

[429 Tremont ayenue; Incorporated 1906] 

WILLIAM B. AITKEN, President T. TASSO FISCHER. Comptroller. 

CHAS. H. SCHUMANN. Vice-President. F. BREVOORT ALLIN, Secretary. 
JOHN F. HOLMES, Vice-President. WILLIAM B. STEVENS, Treasurer. 

LIVINGSTON WETMORB, Vlce-PreHident.WM. L. CUuNNINGHAM. Asst, Treas. 

TRUSTEES 

WILLIAM B. AITKEN. JOHN F. HOLMES. LIVINGSTON WETMORR. 

F. BREVOORT ALLIN, C*HAS. 11. SCHi:MANN. T. TASSO FISCHER, 

CLIIirrON B. BULL, WILLIAM E. STEVENS, ARTHUR M. KANE, 

WM. I. BROWN, II. P. HARRINGTON, THOS. A. NOSWORTHY. 

NELSON F. GRIFFIN. JOHN S. SUTPHEN, WM. L. DENNIS, 

J. OSTRAM TAYLOR. 

FINANCIAL 
RESOURCES 

BondH aiul mortgages $1 ,293,406 42 

*Stock and bond invft^liiuMits, viz.: 

Par Orljrlnal Estimated 

Stockn and hondu value cost market value 

United States |2.^9,8r)000 1289.850 00 I2S9..S5000 

Cities in other States i45.r>OCMK) 147.360 06 146.396 27 

Cities in this State 1^, 2-11 00 137.022 OS 135. loo UO 

Villiige« in this Stute 2.50000 2,537 49 2,60000 

Railroad niort}$age bonds.... 403.000 00 3t'6,523 51 369,020 00 



$979.090 00 $972.293 14 $943,0o5 27 



1)43,005 27 
Otlier real estate, book value, $0,535.71; cost, $(5,5:io.71 ; 

actual cash value 0,535 71 

Cash on deposit in banks or tniKt companies 317 » 002 10 

Ca8h on hand 21, 507 75 

Total of oollectible interest 20,856 28 

Amount of all other asset b, viz.: V'ault ajid fixtures 1,000 00 



$2,603,493 53 



LIABILITIES 

Amount due depositors, viz.: 

Principal $2,422,994 41 

Dividends credited or to bo credited for the six 
months ending with December 31, 1918 39,267 83 



12,402.202 24 

OUier liabilities, viz.: Liberty Bond deixmits 93,577 00 

Surplus on maxket value 47 ,664 20 

$2,603,493 53 



Surplus on par value, $83,679.02. 

CASH TRANSACTIONS DURlNd TIIK \V,A\X 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $153,005 80 

From depositors, not includinj2[ dividends ereditcnl 1,500,481 08 

From interest on loans, deposits and investments 107,265 33 

From mortgages 51, 056 66 

From redemption of stocks land bonds 406, 524 40 

From Ktocks and bond« sold (total par value, $140,050) 140,950 00 

[54] 



Bronx County 55 



Fran all other sources, vis:: 

Cub oTer, adjustments and corrections $243 79 

Rebate in foreclosure action 100 00 

Liberty Bond installment payments by subscribers.. 302,128 00 

$302,471 79 

$2,721,755 66 

PAYMENTS 

To depositors, including dividends paid to tlieni $1, 051,348 58 

For loans on bonds ttn J niortga^^ 193. 106 06 

FV>r stocks and bi^nds pui-chaAed, incliuiing premJums, coni- 

misaions, etc. (total par value, $649,450.23) 630.722 88 

For interest (other than dividend paymonts to depositors) . . 3.729 46 

For current expenses of the bank, viz.: 

Fbr salaries |10,M6 66 

For rent of banking rooms 3,606 69 

EV>r expenses of other real estate 61 017 

For otner expenses, not including expenses of other 
real estate nor other expenses of banklug house.. 4.736 42 

19,400 73 

For real estate acquired by foreclosure, or in settlement of 
debU due the bank 6,535 71 

Other payments, viz.: 

Cash short, adjustments and corrections $281 79 

Liberty Bonds purchased for subscribers 478. OOO 00 

478,281 79 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of tlie day 338.569 85 

$2,721,755 66 

STATISTICAL INFORMATION 

Number of open accounts January X, 1919 9,693 

Niunber of accounts opened or reopened during the year. ... 2, 829 

Xumber of accounts closed during the year 1. 789 

Amount deposited during the year, not including dividends 

credited for that periotl T $1 ,.500,481 68 

Amount withdrawn during the year 1 , 051 ,348 58 

Amount of dividends credited and paid for the year, viz.: 

Joly 1. 1918 131.179 22 

January 1. 1919 39.207 83 

70.447 05 

Average amount of each account January 1, 1919 254 03 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Rate per cent, of dividends to dcpoflitors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1018, after allowing 

for amortisation of premiums and discmmts $107, 035 75 

Total expenses of the hank for the year 1918 19,782 52 

Diridends paid to depositors for the >'ear 1918 70,447 05 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 16.806 18 



56 Report on Savings Banks 



11. DOLLAR SAVINGS BANK, NSW YORK CITY 

[2808 Third avenue; incorporated 1890] 

BRIAN G. HUGHES, President. WILLIAM M. KBRN, Treasurer. 

JAMBB M. LACOSTE. Vice-President. HARRY F. REGAL. Secretary. 

GEO. M. MACKELLAR, Vice-President AUGUST J. DIPPEU Asst. Secretary. 

TRUSTEES 

BRIAN G. HUGHES, CHARLES P. FABBR, HOWELL T. MANSON. 

WILLIAM M. KERN, CHARLES W. BOGART, FRED A. WURZBACH, 

JAMBS M. LA COSTE, JAMES S. BRYANT. SAMUEL TRIMMER, 

BERNARD FRENCH, WILLIAM S. BECKLEY, JAMES L. WELLS, 

GEO. M. MACKELLAR, J. HARRIS JONES. JOS(BPH B. HARE. 

FRED BERRY. HENRY W. NEUBECK,. ROBERT GERBRACIIT, Jr. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $9, 154, 200 GO 

Stock and bond inveetment-s, viz.: 

Par Original Estimated 

Btocks and bonds value cost market value 

United States $1,077.10000 $1,073,«2S43 |1, 077, 100 00 

State of Massachusetts 90.000 00 89,219 52 89.660 00 

Cities in other States 140,000 00 142,959 86 141,000 00 

Cities in this State 1,273.500 00 1.300.325 81 1.283,430 00 

Counties in this State 89.000 00 91.642 56 89.410 00 

Railroad mortgage bondi?... 4,308.000 00 4.470.67149 4,293.060 00 

16. 977. 600 00 |7. 168, 445 66 |6. 973, 650 qO 



6.973,550 00 
Banking house and lot, book value, $253,180.63; cost, $253,- 

180.63; 4tetaial ca»h value 253, 180 03 

Other real estate, book value, $55,472.16; cost, $55,472.16; 

actual cash value 55, 472 16 

Cash on depoerit in banks or trust companies 1, 066,226 65 

Cash on hand 157, 142 46 

Total of oollectible interest 101,623 97 

Amount of all other assets, viz.: Liberty Bond partial pay- 
ment stamps 19, 321 00 

$17,780,716 87 
LIABILITIES ===: 

Amount due depositors, viz.: 

Principal $16,146,388 C5 

Dividends credited or to he credited for the six 
months ending with December 31, 1918 279,023 47 



$16,424,412 12 

Other liabilities, viz.: Deposits to secure payment of assess- 
ments ' fiOO 00 

Surplus on market value 1, 355» 804 75 



$17,780,716 87 
Surplus on par value, $1,359,854.75. ■ 

CASH TRANSACTIONS DITRTNO THE YEAR 1018 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1,063,517 81 

From depositors, not including dividends eretlite<l 6,496,232 08 

From interest on loans, deposits and investments 787,458 75 

From rents from banking house 200 00 

From rents from other real estate 4 ,281 00 

From mortgages 1 17 ,200 00 

From redemption of stocks and bonds 1,963, 000 00 

From stocks and bonds sold (total par value, $1,570,056.21) . . 1,578,881 21 

From bankers's acceptances and bills of excliange 199, 197 22 

From real estate sold 12, 049 67 

From all other sources, viz.: 

Subscribers' installments on Liberty Bonds |24, 153 00 

U. S. thrift stamps sold, receipts from auxiliary 
banks and tax bill service 1, 840 80 



Bronx County 57 

Liberty Bond partial payment coupon stamps sold.. 159, €79 00 

Fourtli Liberty Loan Bond account 58, 728 00 

$244,400 80 

$12,466,418 54 
PAYMENTS 

To depositors, including dividendn paid to them $5,356,788 26 

For loans on bonds and mortg«{?e8 51 ,600 00 

For bankers' acceptances and bills of exchange 199,197 22 

For stocks and bonds purrhaaod, incliuling premiums, comnris- 

sions, etc. (totai par value, $5,10n,8JH).96) 5, 101 ,520 10 

For interest (other than dividend payments to depositors) .. 34,951 44 

For current expenses of the bank, viz.: 

For salarlen |5fl,2:ll 22 

For taxGA : Banking: house, $1,860.00; HurpIuK 

$10,930.70 12.790 70 

For expenseft, except taxen, of banking house : 

Repairs 31 A^» 

InRnrance 97 15 

Otlier 4.0i5028 

For rent of banking rooms 4,260 00 

For expenses of otlier real estate, viz. : 

Repaint 483 89 

Insurance 61 79 

Taxes 1.541 78 

Other 1, 106 62 

For other expenses, not including; oxponsp« of otlier 
real estate nor other expenses of banking house.. 9,651 56 

90,289 82 

For r.'*al estate acquired bv foreclosure, or in- settlement of 

debt« due the bank ." 9, 076 85 

Other payments, viz.: 

Pa.vment« on new bank building; $123, 241 36 

U. S. Thrift Stamps, assessments on ** other real 
estate" 7,797 38 

Liberty Bond payments 268, 687 00 

399,725 74 

Cash on hand and in banks or trust companies December 31, 

1918, after tTan8axtit>n of the day 1,223,369 11 

$12, 466, 418 54 
STATISTICAL INFORMATION = 

Number of open accounts January 1, 1919 49,065 

Nnniber of accounte opened or reopened during the year.... 11,702 

Number of accounts closed during the year 11, 366 

Amount deposited during tlic vear. not including dividends 

credited for that period .'.... $6, 496,232 OS 

Amount withdrawn during the year 5, 356, 788 26 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 $235.647 47 

January 1, 1919 279,023 47 

514,670 94 

Average anxwnt of c«<'h account January 1, 1919 334 75 

Xiimher of account* which exceeded $3,000, exclus.ive of divi- 
dends credited, at the last trial balance of depositors' ledgers, 
except d«»pc>sits a^rising from sm^iety ac<y>unts», or judicial 
sail's, or trust funds, or by order of a court of i-ecord or of a 

Rurrpgale. 2 

Total amount of such accounts $6, 017 66 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of tlie bank for the year 1918, after allowing for 

amortization of premiums and discounts $760,456 35 

Total expen«e8 of the bank for the year 1918 90, 824 52 

Dividends paid to depositors for the year 1918 514,670 94 

Net earnings for the year 1918 over expenses and dividends 
paid to depomtors 154. 960 89 



58 Eepokt ox Savings Banks 

12. NORTH SIDE SAVINGS BANE, NEW YORK CITY 

[3230 Third avenue; incorporated 1906] 

JOHN 6. BOROSTEDB, President GEORGE N. REINHARDT. Treasurer. 

FRED H. WEFER, Vice-President. ARTHUR A. EKIRCH. Secretary. 

TRUSTEES 

JOHN G, BORGSTBDE. CHAS. P. MINOR. FRED. 11. WEFER. 

JOHN M. HAPFBN, GEO. N. REINHARDT, GEORGE WOHN, 

HENRY HAHNENFELD, JOHN RIEGELAIAN, JOSEPH MILLER. 

JOHN C. HEINTZ, CONSTANTIN WAGNER, CHRISTIAN RIEGER. JB. 

FINANCIATi 

RE}SOURCBS 

Bonds and mortgages $1 , 125,945 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States $409.550 00 $407.379 13 $409.55000 

State of California 13,000 00 12,773 28 12,740 00 

State of Idaho 19,00000 18.240 00 18,43000 

State of New Mexico 2,000 00 2,036 00 2.100 CO 

State of Mississiopi 12, 000 00 12, 387 00 12, 840 00 

State of South Dakota 23, 000 00 2.3. 454 09 23, 000 00 

Cities in other States 357. 400 00 370, 361 89 366, 568 00 

Counties, villages and towns 

in adjoining Stat&<< 41.000 00 42,062 98 42.540 00 

Cities in this State 216, 111 67 216, 963 62 215, 583 69 

Counties in this State 3.000 00 2.796 90 2.910 00 

Towns in this State 15,101 00 15,652 52 15,554 03 

Villages In this State 43, 367 78 41, 798 62 41, 463 13 

School districts in this State 6.000 00 6,013 38 5,880 OO 

Railroad mortgage bonds.... 66,000 00 63,91189 55,130 00 

$1,226,530 46 $1,235,819 80 $1,224,298 85 



1,224.298 95 

Promissory notes 6, 106 00 

Other real estate, book value, $14,911.80; cost, $13,689; actual 

cash value 13,889 00 

Gash on deposit in banks or trust companies 184,442 55 

Cash on hand 38,198 02 

Total of collectible interest 26, 766 25 

Amount of all other assets, viz.: 

Vault and fixtures $1,00000 

U. S. Thrift Stamps 400 00 

1,400 00 



LIABILITIES 

Amount due depositors, viz.: 

Principal $2,377,237 62 

Dividends credited or to he credited for the six 
months ending with December 31, 191S 39.472 11 



$2,599,844 65 



Other liabilities, viz.: 

Liberty Bond depositH $114.644 00 

Deposit as security on real estate contract 500 00 



$2,416,709 73 



115,144 00 



Surplus on market value 67,990 92 



Surplus on par value, $70,222.52. 



$2,599,844 65 



CASH TRANS AOTIOXS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $128,034 71 

From depositors, not including dividends credited 1,319,680 26 

From interest on loans, deposits and investments 103,126 49 

From rents from other real estate 592 00 

From mortgages 23,250 00 



Bronx Countv 59 

From redemption of stocks and bonds $332,700 00 

From stocks and bond« sold (total par value, $241,850) 242,233 02 

Prom loans paid 130 00 

From real estate sold 4, 375 00 

From all other sources, viz.: 

Received on real estate contract $500 00 

Sale U. S. War SavinfES Stamps 3,000 00 

Profit on bonds sold, appraisal foes, rebates 277 83 

Payments by Liberty Bond subscribers 114, 644 00 

118,421 88 

$2,272,548 SI 
PAYMENTS 

To depositors, including dividends paid to tliem $052 253 07 

For loans on bonds and mortgages 10,600 00 

For loans on stocks and bonds and othor securities 5,235 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $1,000,880.28) 1 ,013,855 71 

For interest (other than dividend payments to depositors) . . . 4,883 33 
For current expenses of the bank, viis.: 

For salaries $9.104 49 

For taxes : Banking house, $26,00 ; surplus, $262.19. . 288 19 

f\>r expenses, except taxes, of banking house : 

Insurance 52 76 

Other 158 00 

For rent of banking rooms 3,958 41 

For expenses of other real estate, vis. : 

Repairs 1,049 90 

Taxes 383 26 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 4.383 73 

19.378 74 

For real estate acquired bv foreclosure, or in settleinont of d«pbt8 
due the bank '. 3, 173 29 

Other payments, viz.: 

Repayment to trustees $4,400 00 

U. 8. War Savings and Thrift Stamps 3,400 00 

Vault and fixtures account 736 20 

Psjments Liberty Bond account 42,987 60 

51,522 70 

Ouh on hand and in banks or trust) companies December 31, 
1918, after transactions of the day 202,640 57 

$2,272,543 31 

STATISTICAL INFORMATION 

Xamber of open accounts January 1, 1919 9,030 

Kumber of accounts opened or reopened during the year 2. 876 

Xumber of accounts closed during the year 1 ,904 

Amount deposited during the year, not including dividends 

credited for that period $1,319,680 26 

.Amount withdrawn during the year 952,253 97 

Amount of dividends credited and paiid for the year, viz. : 

July 1, M18 $31.993 96 

January 1« 1919 39,472 11 

71,466 07 

Average amount of each account January 1, 1919 267 63 

Rate per cent, of dividends' to depositors during the six monies 

ending June 30. 1918 3% 

Rate per cent, of dividende to depoeitors during the six months 

ending December 31, 1918 4 

Total earning of the bank for the year 1918, after allowing for 

amortiisation of premiums and discounts $104, 140 85 

Total expenses of the bank for the year 1918 19, 378 74 

Oividenda paid to depoeitora for the year 1918 71 , 466 07 

Xet earnings for tJie year 1018 over expenses and dividends 

paid to depositors 13,305 04 



BROOME COUNTY 



13. BIN6HAMT0N SAVINGS BANK, BINGHAMTON 

[97 and 99 Collier street ; incorporated 1867] 

CHAS. W. OF.NNET. Preslfient ASBURY C. DEYO, Treasarer. 

CHARLES M. STONE. Vice-President. S. J. UIRSCUMANN, Secretary. 
JOHN G. ORTON, Vice-President. 

TRUSTEES 

JOHN G. ORTON. CFfARLES W. GENNET, GEO. C. BAYLESS, 

EDWARD P. McKINNEY, CHARLES M. STONE, CHARLES A. WEED. 

GEORGE M. HARRIS. S. J. HIRSCHMA.VN. WILLIAM H. OGDEN 

LEWIS M. WEED, ASBURY C. DEYO. 

FINANCIAL 

RESOURCES 

Bonds and mortj^ges $3,499t 180 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States (128, 490 00 |128,4GO0O |128,46O0O 

State of Massachusetta 100, 000 00 101, 260 00 81. 000 00 

Cities in other States 340,000 00 355,382 78 324.620 00 

Cities in this State 1,766, 000 00 1, 785, 775 8G 1, 708, 801 50 

Counties In this State 446, OOO 00 453, 537 96 437, 110 OO 

Villages in this State 14, 717 40 14, 717 40 14, 317 33 

School districts in this State 6,660 00 5,702 19 5,478 26 

R&llroad mortgage bonds 876,000 00 881,800 00 710,600 00 



|3, 676. 827 40 |3, 726, 626 19 |3. 406, 287 08 



3,405,287 08 
Banking house and lot, bo(^ value, $65,000; cost, $73,000; 

actual cash value 65. 000 00 

Other real estate, book value, $5,000; cost, $5,368.27; actual 

cash value 6,000 00 

Cash on deposit in banks or trust companie« 693,000 00 

Cash on hand 60,408 19 

Total of collectible interest 85. 549 16 

Amount of all other assets, viz.: 

Land contract |2, 600 00 

Rent accrued 3T9 59 

2,979 59 



$7,716,404 02 



LIABILITIES 

Amount due depositors, viz.: 

Principal $7,124,398 49 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 116,781 79 



$7,241,180 28 
Surplus on market value 475,223 74 

$7,716,404 02 



Surplus on par value, $745,764.06. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before trancMictions of the day $479, 162 12 

From depositors, not inoluding dividends credited 2,739,182 27 

From interest on loans, dieposits and investments 334,263 46 

[60] 



Bboome County 61 

From rents from banking house $2, 699 33 

Prom mortgages 276 , 166 00 

Fran redemption of stocks and bonds 230, 738 20 

Fran real estate sold 500 00 

From all other sources, yiz. : Land contract 500 00 

$4,063,210 38 

PAYMENTS 

To depositors, including dividends paid to them $3,070, 702 02 

For loans on bonds and mortgages 46, 200 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $253,460) 253,400 00 

For interest (other than dividend payments to depoutors) 306 02 

For current expenses of the bank, vis. : 

For salaries IU.827 96 

For taxes: Banking house, $1,827.10; surplus, 

14,409^; on mortKages, $31.00 6.327 42 

>'or expenses, exc^t taxes, of banking house: 

R^>airR 386 35 

Insurance 106 97 

Other 2.878 28 

Ftor expenses of other real estate, vis. : 

Insurance 6139 

Taxes 68 14 

Other 7 66 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 4.124 72 

33,766 88 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 5,368 27 

Gash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 653,408 19 

$4,063,210 38 

STATISTICAL INFORMATION 

Komber of open accounts January 1, 1919 21 ,552 

Number of accounte opened or reopened during the year 2 , 541 

Number of accounts closed during the year 8, 813 

Amount deposited during the year, not including dividends 

credited for that period $2, 739, 182 27 

Amount withdrawn during the year 3,067, 383 06 

Amount of dividends credited and paid for the year, viz.: 

Jnly 1, 1918 $118,701 to 

Jannanr l, 1919 118,78179 

Paid but not credited 8,318 96 

238,802 25 

Average amount of each account January I, 1919 335 98 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3Va 

Rate per cent, of dividends to depositors dHiring the six months 

ending December 31, 1918 3^ 

Total earnings of the bonk for the year 1918, after allowing 

for amortization of premiums and discounts $326,465 96 

Total expenses of the bank for the vear 1918 33, 766 88 

Dividends paid to depositors for the year 1918 238,802 25 

^et earnings for the year 1918 over expenses and dividends 

paid to depoBitors 53, 896 83 



62 Report on Savings Banks 

14. CHENANGO VALLEY SAVINGS BANK, BINGHAMTON 

[% Chenango street ; Incorporated 1867] 

ARTHUB 8. BARTLETT. President WALKER F. SHERWOOD. Vlce-Pres. 

WILLIAM W. SIS80N, l^lce-Prcsident. WILLIAM B. ELY, Treasurer. 

TRUSTEES 

ARTHUR & BARTLBTT, JAMBS M. McNAMARA, ARTHUR L. KENT. 

C. P. H0TCHKIS8, GEORGE F. O'NBIL. HARRY RUBIN^ 

WILLIAM W. 8IS80N, WILLIAM G. PHELPS, GEORGE W. TOPLIFF^ 

JAMES W. MANIER, LESLIE M. WILSON. RENNA Z. 8PAULDIN6. 

WALKER F. SHERWOOD. 

FINANCIAL 
RiESOURCES 

Bonds and mortgages $1 , 105, 668 25 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonda value cost market value 

United States |129,700 OO 1129,70000 $129 JOO 00 

State of Louisiana 60,000 00 62,065 00 50,460 00 

Cities In other States 60,000 00 63,288 53 60,500 00 

Cities In this State 122,500 00 120,227 00 113,072 50 

Counties In this State 20,000 00 22.225 00 21,800 00 

Towns in this State 2,000 00 2,000 00 2,000 00 

Villages In this State 37,500 00 38,486 31 37,300 00 

School districts In this State 78,885 00 86,456 26 83,474 22 

Railroad mortgage bonds... 210,000 00 196,306 60 177.600 00 

9700, 585 00 1699, 745 20 $665. 756 72 

=— — — =— ==— 665,756 72 

Cafih on deposit in banks or trufit companies 198,337 24 

Casli on hand 40,480 89 

Total of collectible intereet 25, 143 23 



$2,035,386 33 



LIABILITIES 

Amount due depositors, viz.: 

Principal 11,937,976 39 

Dividends credited or to be credited for the six 

months ending with December 31, 1^18 30, 270 74 

$1,968,247 13 

Surplus on market value 67 , 139 20 

$2,035,386 33 

Surplus on par value, $101,967.48. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBIPTS 
Cash <m hand and in banks or truet companies January 1, 

1918, before transactions of the day $139, 451 70 

From depositors, not including dividends credited 1 ,205.514 31 

From interest on loans, deposits and investment-s 97,458 97 

Prom mortga^ 86, 387 00 

From redemption of stocks and bonds 13,925 00 

From stocks and bonds sold (total par value, $407.200) 409,529 13 



$1,952,266 11 



PAYMENTS 



To depositors, including dividends paiid to them $1,223,561 45 

For loans on bonds and mortgages 200 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $474.400) 468, 160 00 

For interest (other than dividend payments to depositors) . . . 900 68 



Broome County 63 

For current expenses of the bank, vie. : 

For saUriOB 19,304 86 

Ror taxes : Surplus, $514.68 ; on mortgages, |1.00 616 68 

For rant of banking rooms 3,000M 

For other expenaeB, not Including expenses of otlier 

real estate nor other expenses of banking house.. 7,687 82 

20,618 25 

Other payments, viz. : Caah short 107 00 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the da v 238,818 13 



$1,952,200 11 



STATISTICAL INFORMATION 

Xumber of open aocounte January I, 1019.. 13, 005 

Number of acoountA opened or reopened during the year. ... 3,691 

Number of accounts CMsed during the yiear 8, 145 

Amoont deposited during the year, not including dividends 

credited for that period $1,205,614 31 

Amount withdrawn during the year 1, 223,661 45 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 $30,292 16 

Jsnnanr 1. 1919 30,27074 

Credited at other periods 1,146 06 

61.707 95 

Arera^ amount of each account January 1. 1919 151 35 

Number of accounts which exceeded $3,000, exclimive of 
dividends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
jodieiai salesy or trust funds, or by order of a court of 

record or of a surrogate 2 

ToUd amount of eudi aocounts $13,471 02 

Rate per cent, oi diwdends to depositors during the six months 

ending June 30, 1918 3% 

Rate per cent, oi dividends to depositors during the six months 

ending December 31, 1918 3% 

Total earnings of the bank for the year 1918. after allowing 

for amortijgation of premiums and discx>unts $90,835 08 

Total expenses of the bank for the year 1918 20. 518 25 

Diridende paid to depositors for the year 1918 61 , 707 95 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 8 , 608 88 



CAYUGA COUNTY 



15. AXTBUSlf SAVINGS BANK, AUBtnUf 
[74 Genesee street; Incorpontted 1849] 

DAVID M. DUNNING, President WILLIAM 8. DOWNER. TreAsnrer. 

NBL80N B. ELDRED, Vice-President. ADOLPH KEIL, Assistsnt Treasurer. 

OIBORGE UNDERWOOD, Vice-Pres. 

TRUSTEES 
DAVID M. DUNNING. WILUAM H. SEWARD. Jr., WILLIAM S. DOWNER, 
GEORGE UNDERWOOD, HENRY D. NOBLE, HAROLD G. METCALP. 

NELSON B. ELDRED, FREDERICK SEPTON, HERBERT O. ROBINSON, 

HOBART L. ROMIG, HENRY D. TITUS, SAPPRINE L. DEPEW, 

THOMAS S. RICHARDSON. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $3,898, 796 00 

Stock and bond investments, viz.: 

Par Original Estimated 

8toek9 and bonds value cost market valne 

United States $831,89173 $831,89173 $831,89178 

State of Massachusetts 8,000 00 8.636 00 6.880 00 

State of Utah 60,000 00 60.73125 48.500 00 

Cities in other States 237.000 00 266.008 70 233.840 00 

Cities in this State 608,070 00 621,708 06 471,646 00 

Counties in this State 26.000 00 26.66176 23.600 00 

Towns in this State 13.000 00 13.396 50 12.29000 

ViUages in this State 8.000 00 8,263 60 7,680 00 

School districts in this State 27,000 00 29,107 60 26.330 00 

Railroad mortgage bonds .... 896, 000 00 934, 068 26 786. 910 00 

$2,698.66173 $2,679.266 33 $2,447.366 73 



2,447,366 73 
Banking house and lot, book value, $100,000; cost, $208,- 

831.14; actual caali vaiue 100,000 00 

Other rea.1 estate, book valu«, $10,623.83; cost, $10,699.83; 

actual cash value 10,699 83 

Cash on deposit in banks or trust companies 370,617 42 

CajBh on hand' 64, 044 40 

Total of collectible interest 63, 165 08 

Amount of all other assets, viz.: 

Rent accrued $690 41 

Taxes advanced 77 25 

Due on Liberty Bonds 26,638 76 



26,406 41 



$6,981,095 87 



LIABILITIES 

Amount due depositors, viz.: 

Principal $6,330,794 46 

Dividends credited or to be credited for the six 

months ending wl th DeceinL>er 31, 1918 121, 949 41 

$6,452,743 86 

Other liabilities, viz.: Expenses incurred, but unpaid, repairs 

and sundries 625 84 

Surplus on market value. 527, 726 17 

$6,981,095 87 
Surplus on par value, $678,921.17. . 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $461, 672 96 

From depositors, not including dividends credited 1 ,699,939 33 

From interest on loans, deposits and investments 321 ,461 95 

From rents from banking house 7, 217 55 

From rents from other real estate 1 ,928 24 

From mortgages 454, 750 00 

From redemption of stocks and bonds 613,880 10 

Fr(»n stocks and bonds sold (total par value, $2,447.27) 2,447 27 

Frcmi real estate sold 2,500 00 

[641 



Cayuga County 65 

Froin all other sources, viz.: 

Insurance premiums and taxes advanced, repaid, 
received for fire losses, sale of old material, cash 
over and adjustment of interest |2,7M 71 

U. 8. War Savings and Thrift Stamps and Liberty 
Bond sold 880 00 

Patriotic Farmers' Fund and accrued interest 5,786 86 

Liberty Bond payments by sub8cribe» 266, 350 81 

$265, 802 38 

$3,831,599 78 

PAYMENTS 

To depositors, including dividends paid to them $1,822,855 28 

For loans on bonds and mortgages 143,600 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $1,114^140) 1, 114,787 70 

For interest (other than dividend payments to depositors) .. 1,740 47 

For current expenses of the bank, viz.: 

For salartes 117,788 26 

For taxes : Banking hoase, $4,204.04 ; surplus, 

|4>0^ 9,146 85 

For expenses, exc^t taxes, of banking house : 

Bepairs 1,22073 

Insurance 487 81 

Other 4,987 90 

For expenses of other real estate, vis. : 

Bepairs 2,709 82 

Insurance 16 93 

Taxes 550 49 

Other 165 36 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house. . 8, 677 61 

40.751 24 

Other payments, viz.: 

Insurance premiums and taxes advanced, fire losses 
paid, cash short $2,267 68 

U. 8. War Savings and Thrift Stamps and Liberty 
Bond purchased 880 00 

Patriotic Farmers* Fund payments S, 916 69 

Payments on account of Liberty Bonds 266,133 00 

273,197 27 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 434, 661 82 



$3,831,599 78 



STATISTICAL INFORMATION 



Nimiber of open accounts January 1, 1919 13,367 

Number of accounts opened or reopened' during the year... 1,384 

Number of accounts closed during the year 1, 599 

Amount deposited during the year, not including dividends 

credited for that period $1 ,699,939 33 

Amoimt withdrawn during the year 1 , 822, 855 28 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 1123,383 94 

January l, 1919 121.949 41 

Credited at other periods 1,899 64 

247,232 89 

Average amount of each account January 1, 1919 482 72 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $319,887 62 

Total expenses of the bank for the year 1918 40, 980 03 

Dividends paid to depositors for the year 1918 247,232 89 

Net earnings for the year 19 Id over expenses and dividends 

paid to depositors 31 ,674 10 

3 



66 Report on Savings Banks 

16. CATUGA COXmXY SAVINGS BANK, AUBURN 
[IIS-IIS Qeneaee street; Incorporated 1864] 

D. WAD8W0RTH, JB» President W. H. MBAKBR, Trearartr. 

CaARLEB W. BBISTER. Vice-Pres. G. V. LOUGHBOROUGH, Aest 

CUAS. A. McCarthy. Vlce-Pree. A. h. HEMINGWAY, Secretary. 

WILLIAM H. SEWARD, GEORGE B. TURNER, DANIEL U RAMSBT. 

BENJAMIN B. SNOW, SIDNEY J. WESTFALL, CHARLES W. BRIBTBB, 

WILLIAM H. MEAKBR, C. F. BALDWIN. JAMES B. ELDER, 

CHARLES F. LYON, G. V. LOUGHBOROUGH. EDWIN F. METGALF. 

CHA8. A. MCCARTHY, HULI^ GREENFIELD. IRVING 8. ROBINSON. 

DAVID WADSWORTH. Jl.. CHARLES P. MOSHBR. 

FINAXCIA'L 

RESOURCES 

Bonds and mortgages $2,784,410 00 

Stock and bond inveatmentB, vis.: 

Par Orlfrinal Estimated 

Stocks oh4 bonds value cost market value 

United States |e06,80000 $601.038 00 $606,800 00 

SUte of New York 100.000 00 106.82187 101,000 00 

State of Massachusetts 200.000 00 Z17.022 60 178.060 00 

Cities in other States 00.000 00 62.223 76 67.800 00 

Cities in this State 216.560 00 228.630 00 213,394 00 

Counties in this State 19. 766 87 19. 766 87 19, 766 87 

Towns in this State 6.000 00 6.000 00 5,820 00 

School districts in this State 1,000 00 1,025 26 990 00 

Railroad mortgage bonds .... 866. 000 00 891. 065 68 730. 070 00 

$2,064.116 87 $2. 127. 614 90 $1. 913. 190 87 

== = =- = = 1,913,100 87 

Banking house and lot, book value, $78,000; coat, $100,- 

307.17; actual cash value 78,000 00 

Other read estate, book value, $9,033.71; coat, $9,033.71; 

actual cash value 9,033 71 

Cash on deposit in banks or trust compames 153,638 02 

Cash on hand 42,027 01 

Total of collectible interest 43.638 64 

Amount of other assets, viz.: 

I4ind contracts $6.860 00 

Insurance premiums advanced 24 67 

Rent accrued 37100 

Deficiency Judgment 319 62 



7,565 09 



LI.\BILITIES 

Amount due depositors, viz.: 

Principal $4,634.408 63 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 89. 234 72 



$5,031,503 34 



$4,723,643 35 



Other liabilities, viz.: 

Liberty Bond deposits $36.933 78 

Interest accrued on undelivered Liberty Bonds 177 r>8 

37,111 31 

Surplus on market value 270,748 08 

$5,031,503 34 

Surplus on par value, IM21,674.08. - 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918. before transactions of the day $398,614 77 

From depositors, not including dividends credited 1,504,933 69 

From interest on loans, deposits and investments 227,808 45 

From rents from banking house 1 , 791 75 

From rents from other real estate 160 00 

From mortgages 142, 086 00 

From redemption of stocksi and bonds 297 , 708 37 

From stocks and bonds sold (total par value, $218,021.74) . . . 218,021 74 



Cayuga County 67 

From all other sources, viz. : 

Insiiraiice premiums and taxes advanced repaid, 

land contracts, surplus in foreclosure action $1,063 68 

U. & War Sayings and Thrift Stamps 10.384 75 

PajmentB by Liberty Bond subscribers 224.464 48 

$235. »12 91 



$3,027,036 68 
PAYMENTS ====== 

To depositors, including dividends paid to them $1 » 567 , 548 03 

For loans on bonds and mortgages 61 ,825 00 

For stodcs and bonds purchased, including premiumA, ccxnmis- 

skins, etc. (total par value, $974,843.09) 970,082 09 

For interest (other than dividend payment to depositors) 1, 137 35 

For current expenses of the bank, vis.: 

For salaries I13.2M 67 

For taxes : BanlElnff house, 18,642.72 ; surplus, $2,406.K7 ; 

on mortgages, 116.60 6,067 79 

For expenses, exc^t taxes, of banking house : 

Repairs 804 44 

Insurance 246 88 

FSr expenses of other real estate, vis. : 

Repairs 438 67 

Insurance 61 60 

Tftxea 138 48 

Other 40 28 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house 4,613 46 

24.203 12 

Other payments, viz.: 

Acconnt of Uberty Bonds purchased for subscribers |194. 288 00 

U. 8. War Savings and Thrift Stamps U.184 86 

Insorance premiums and taxes advanced, deficiencies 
snd taxes after foreclosures, suspense 1,108 20 

206,576 06 

Cuh on hand and in banks or trust companiee December 31, 

1918, after tranaacUone of the day 195,665 03 

$3,027,036 68 

STATISTICAL INFORMATION 

Xomber of open accounts January 1, 1919 10,777 

Number of accounts opened or reopened during the year 1,657 

Xomber d aerounte dosed during tlie year 1. 556 

Amount deposited during the year, not including dividends 

credited for that period $1,504,933 69 

.\moant withdrawn during the year 1 ,567, 548 03 

Amoimt of dividends credited and paid for the year, vie.: 

Jane so, 1818 $89.469 36 

December 81, 1918 89.234 72 

Credited at other periods 1,489 20 

180,193 28 

Average amount of each account January 1, 1919 438 31 

Xumber of accounts which exceeded $3,000, exclunivc of divi- 
dends credited, at the last trial balance of depositors* 
ledgers, except deposits arising from society accounts, or 
judicial sales, or trust funds, or by order of a court of record 

or of a surrogate 6 

Total amount of such accounts $18, 462 32 

Rste per cent, of dividends to depositors during the aix months 

coding June 30, 1918 4 

Itste per cent, of dividends to depositors during the six months 

ending December 31, 1018 4 

Total eaminga of the bank for the year 1918, after allowing 

for amortization of prenuume and discounts $231 . 331 79 

Total expenses of the bank for the year 19il8 24.203 12 

Divideods paid to depositors for the year 1918 180, 193 28 

^*et eaimings for the year 1918 over expenses and dividends 
paid to depositors 26, 935 39 



CHEMUNG COUNTY 



17. THE BLMIRA SAVINGS BANK, ELMIRA 

[212 'Bast Water street; Incorporated 1869] 

W. H. FERGUSON, President. HUBERT C. MANDBYILLB. Treasurer. 

HENRY SIMPSON. Vice-President. MICHAEL A. LEAHY. Secretary. 

JOHN W. HUSTON, Vice-President. 

TRUSTEES 

WILFRED I. BOOTH, JOHN W. HUSTON,, HENRY SIMPSON. 

FRANK L. CLUTB. MICHAEL A. LEAIIIT. WILLIAM M. UFFORD, 

HENRY J. HAASE. WM. H. FERGUSON, 'GKORGB W. WYCKOPF, 

FRED D. HBRRICK, H. C. MANDEVILLE, ALEXANDER S. DIVEN. 

LOUIS N. MATHEWS. 

FINANCIAL 
RESOURCES 

Bonds and mortgagee $586,860 00 

Stock and bond investments, viz. : 

Par Original E8timated 

8took9 and hond8 value cost market value 

United States |137.7£0 00 $137.760 00 |137,750 00 

Cities In other States 47.000 00 46,526 00 46,750 00 

Cities in this State 113,000 00 113.700 00 112.000 00 

Counties In this State 40,000 00 40,767 00 41.100 00 

Towns In this State 4,000 00 4,000 00 4.040 00 

Villages In this State 87,400 00 86.956 00 88.666 00 

School districts In this State 30.000 00 30,245 00 30,400 00 

Railroad mortgage bonds.. 162,000 00 141.419 00 122.140 00 

1611. 160 00 1601, 362 00 $682, 446 00 



582,446 00 

Cash on deposit in banks or trust companies 68,942 31 

Cash on hand 7,718 75 

Total of collectible interest 6.906 16 



$1,252,863 21 



LIABILITIES 

Amount due depoaitors, viz. : 

Principal $1,142,620 49 

Dividends credited or to be credited for the six 
months ending with December 81, 1918 17, 546 88 

$1,160,166 37 

Surplus on ma>ricet value. 92,696 84 

$1,252,863 21 

Surplus on par value, $121,400.84. 

CASH TRANSACTTONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies' January 1, 

1918, before transactions of the day $00,357 42 

From depositors, not including dlividendA credited 562,026 97 

From interest on loans, depoents and investments 56,179 45 

From mortgages 54, 135 00 

Frpm redemption of stocks and bonds 73,400 00 

From stocks and bonds eold (total par value, $122,240) 120, 179 98 

From all other sources, viz.: U. S. Thrift Stamps sold 350 50 

$926,629 32 
[68] 



Chemung County 69 

payments 

To depositors, including dividends paid to them $532,864 11 

For louiB on bonds and mortgages 19,540 00 

For stocks and bonds purchased, including premiums, commis- 

u<A8, etc; (total par value, $292,740) 290,698 01 

For interest (other than dividend payments to depositors) . . 90 87 
For current expenses of the bank, vIb.: 

For salaries |3, 236 08 

^'ortaxeK*. Surplus 832 08 

For rent of banking rooms 1, Od& 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 1,861 06 

6.524 77 

Otlter payments, viz.: U. S. Thrift Stamps purchased 350 50 

Gash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 75,661 06 

$926,629 32 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 4,619 

Xumber of accounts opened or reopened during the year. . . . 1,134 

Number of accounts closed during the year 1 ,305 

Amount deposited during the year, not including dividends 

credited for that period' 562 ,026 97 

Amount withdrawn during the year 532, 864 11 

Amount of dividends credited and paid for the year, viz.: 

Julj 1, 1918 117,29070 

Jannary 1, Ml» 17,545 88 

34,836 58 

Aferage amount of each account January 1, 1919 251 17 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Bate per cent, of dividends to depositors during the six montlis 

endmg December 31, 1918 3^ 

Total earnings of the bank for the year 1918, after' allowing 

for amortization of premiums and discounts $57,097 51 

Total expenses of the bank for the year 1918 6,524 77 

Dindends paid to diepositors for the year 1918 34,836 58 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 15,736 16 



COLUMBIA COUNTY 



18. HUDSON CITY SAVHrCS INSTITUTION, HUDSON 

[560 Warren street ; Incorporated 1860] 



CHAS. A. VAN DUESBN. President. 
ROBERT W. EVANS, Vice-President. 



JOHN W. GILLETTE. Vlro-President. 
S. MITCHELL RAINEY. Treasurer. 



LOUIS A. BRISTOL. 
NOAH H. BROWNING, 
LOUIS P. CHURCH. 
A. y. S. COCHRANE. 



TRUSTEES 

MALCOLM GIFPORD, 
ROBERT W. EVANS, 
JOHN W. GILLETTE. 
EVERTS TEN BROBCK. 
GEORGE A. McKINSTRT. 

FINANCIAL 



JACOB P. MESICK, 
8. MITCHELL RAINET. 
CHAS. A. VAN DEUSBN, 
H. S. WILLIAMS, 



RESOURCES 



Bonds and mortgages 

Stock and bond investments, viz.: 



$2,123,69e 00 



Biookt and hond9 

United 8tate« 

State of New York 

Cities in other States 

Cities in tliis State 

Counties in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds 



Par 
va!ue 

$720,099 80 

25.000 00 

fil5,5O0 00 

6JW.786 00 

.^'>o,ooo 00 

286.830 18 

46.960 00 

912.000 00 



Oriffinal 
cost 



Estimated 
market value 



$720,099 80 $720,099 80 



27. 140 r,3 
641.098 53 
713,849 64 
364, 034 00 
291. 584 48 

47.114 13 
925.277 87 



27.750 00 
610.930 00 
685.189 28 
350.560 00 
279. 666 87 

45.470 .50 
796,900 00 



$3, 641 , 165 98 |3, 730, 199 06 $3. 516. 566 45 



Promissory notes 

Banking house and lot, book value, $35,000; cost, $74,690.7«; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of other aftfiet^a, viz.: 

Due on Liberty Bonds |25,456 46 

U. S. Thrift Stamps 20 00 



3,516,55(5 45 
3,250 00 

35.000 00 

194.418 22 

66,871 43 

71,029 51 



25.476 45 



.036,298 06 



LIABILITIES 

Amount due depositors, viz.: 

Principal 16,385,375 46 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 103, 076 07 



Surplus on- market value. 



$5,488,451 53 
547,846 53 

$6,036,298 06 



Surplus on par value, $672,456.06. 



CASH TRAXSACTIOXS DT'RTXO THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of Uie day $439, 340 39 

From depositors, not including dividends credited 1,077,425 19 

From interest on loans, deposits and im^estments 273,012 81 

From mortgages 217, 386 00 

From redemption of stocks and bonds 402, 958 42 

From loans paid 6,090 00 

[701 



Columbia County 71 

From all other sources, viz.: 

Insurance preniluin ad vanced refunded |33 75 

Cash over 14 00 

Liberty Bond payments by Kubscribers 2(M, 727 87 

$204,775 62 



• 



$2,610,987 43 

PAYMENTS 

To depfiHitorh. including dividends paid to them $1 ,281,993 32 

For loans on biinda and mortgages 22,700 00 

For litans on HtiKHcs and Ixinda and other seeuritit^ 7,935 00 

For stficks and 1)onda purchased, including premiums, c<»mnriR- 

sions, etc. (total par value, $042,350) 942,045 93 

Fi»r interest ( other than dividend payments 'to depositors) . . . 332 85 

For current expenses of the bank, viz.: 

For »a]arief< |9, W2 60 

For taxen: Baokin? bouse. 11,222.51 : xurplua, $4,976.63 6.199 04 

For expenxoM. except taxea, of bankinf; houne: 

Bepalrs 66 80 

For other ex|>en8eff. not including: expenses of other 
real estate nor other expensea of banking bouse — 1,887 61 

17,765 95 

Other pavments, viz.: 

r. S. War Sfi vings Stamps, cash short 1307 81 

IJberty Bonds purchased for customers 85,616 92 

85,924 73 

Tarfi on hand and in banks or trust companies December 31, 
ini8. after transactions of the day 261 . 289 65 

$2,619,987 43 

STATISTICAL INFORMATION 

Number of open account^) January 1, 1919 10, 362 

Nnmher of «u*counts opetunl or reopened during the ye^r.... 1,247 

Number of acc^iunts closed during the year 1 ,582 

Am^aint deposited during the year, not including dividends 

creditwl for that, period $1 ,077,425 19 

.AmfHuit withdrawn during the year 1,281 ,993 32 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 Iias.516 71 

January 1. 1919 108.076 07 

206,592 78 

Averaise amount of each account J-miuary 1. 1919 529 67 

Rate per c<»nt. of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depttsitom during the six numths 

ending December 31, 1918 4 

Total earnings of the bank for the yc\ar 1918, after allowing 

for amortization of premiums and discountii. $266,087 92 

Total expenses of the bank for the year 1918 17,765 95 

Dividends paid to depositors for the year 1918 206.592 78 

Net earnings foF Ihe year 1918 over expenses and dividends 

paid to dcpc»sitor9 41 . 729 19 



CORTLAND COUNTY 



19. CORTLAND SAVINGS BANK, CORTLAND 

[HI Main street; incorporated 1868] 

J^^f^'^AMlfi L. WEBB, PreRldent. WM. A. STOCK WELL, Secretary. 

lUBERT T. BUSHNELL, Vice-President WM. R. COLE. Treasurer. 
LESTER P. BENNETT, Vice-President. EARL W. BENTLEY. Asst. Treasurer. 

TRUST£i£S 

BENJAMIN U WEBB, GROVE T. MAXON. BYRON MAXW^N, 

HUBERT T. BUSHNELL, ARTHUR F. STILSON. EDWARD S. DAT.TON, 

EDWARD A. BREWER. WILLIAM J. BUCHANAN, H. DeWITT DkOROOAT. 

LESTER P. BENNETT. A. ROSCOE ROWB, CHARLES P. SEYMOUR, 
WM. A. STOCKWELL. 

FINANCIAL 

RESOURCES 

Bonds ajid mortgages $2,263,640 00 

Stock and bond investments, viz.: 

Par Orifdnal ERtimated 

Stocks and hondn value cost market value 

United States $419.20000 |419,200 00 |419,a00OO 

State of New York G6.000 00 67,112 60 67.600 00 

State of Massachusetts 80. 000 00 87, 837 60 72. 600 00 

Cities in other Statefl 170,000 00 172,383 99 lfi7.440 00 

Cities in this State 714. 276 55 731. 697 47 700. 306 5g 

Towns in this State 8.000 00 8.000 00 7,987 60 

Villages in this State 203.500 00 207,068 33 202,820 00 

School districts in this State 81.600 00 84.104 <7 80.986 50 

Railroad mortgage bonds.... 400,000 00 390,065 00 806,100 00 



$2,131,576 55 $2,157.369 46 $2,014.940 58 



2,014.040 58 

Promissory notes 3,680 00 

Banking house and lot, book value, $152,203.69: coat $152,- 

203.69; actual oash value 152,293 6» 

Other real estate, book vahie. $500; cost, $500; a<>tiial cash 

value 500 00 

Cash on deposit in banks or trust companieft 256,561 17 

Cash on hand 109,962 47 

Total of collectible interest ". . . 81,492 04 

Amount of all other assets, viz.: 

Land contracts $2,300 00 

Rent accrued 40 00 

U. S. Thrift Stamps 8100 

2,421 00 



LIABILITIES 

Amount due depositors, viz.: 

Principal $4,398,996 93 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 83.53113 



$4,885,490 95 



$4,482,528 06 



Other liabilities, viz.: 

Liberty Bond deposits $18,882 60 

Expenses incurred, but unpaid, advertising and mis- 
cellaneous 34179 

19,224 29 

Surplus on market value 383, 738 60 

$4,885,490 95 
Surplus on par value, $,500,374.57. t 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Caah on hand and in banks or tni.st companies January I, 

1918. before transactions of the day $435,484 44 

From depositors, not including dividends credited 909.347 87 

From interest on loans, deposits and investments 217, 183 09 

[72] 



COBTLAKD CoUKTY 73 

• 

From rents from banking house |1 ,513 60 

From rents from other real estsrte 3 00 

From m4irt«;ages 197. 884 00 

From redemption of stocks and bonds 251, 783 28 

From stocks and bonds sold (total par value, .<i^2 32 ,534.08) 232,534 08 

From loans paid 745 00 

From all other sources, viz.: 

liberty Bond payments by subscribers $235,201 50 

Sale U. S. War Savings Stamps, profit sale of bonds, 

snspenfie 3.310 59 

Land contracts, insurance premium advanced, re- 
paid, sale of old material, sundries 686 98 

239,289 07 

$2,485,708 33 
PAXlfBNTS ===== 

To depositors, including dividends paid to tliem $1 ,062,945 37 

For loans on bonds and mortgages ttO» 475 00 

For loans on stocks and bonds and other securitiea 4, 170 00 

For stock and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $702,004.66) 702,004 65 

For interest (other than dividend payments to depositors) .. 1,461 45 

For current expenses of the bank, viz.: 

For salaries $11,090 »4 

For taxes : Banking house, 1509.66 ; surplus, $3,642.15 ; 

on mortg^ages, $36.00 4.087 80 

For expenses, except taxes, of banlclng liouse : 

Repairs 83 82 

Insurance 177 96 

Other 4.561 52 

For rent of banicing rooms 700 00 

For expenses of other real estate, viz. : Ta.\o.>4 22 89 

For other expenses, not indudiner expenses of otlier 
real estate nor other expenses of banlzing house — 3.748 96 

24,475 88 

Other payments, viz.: 

On accoont banking house and lot $39,811 96 

Lfbertj Bond, account 220.038 00 

C. 8. War Savings Stamps 3. 513 (!5 

Insorance premiums advanced, sundries 348 73 

263.712 34 

Cash on hand and in banks or trust companies December 31. 
1918, aft^r transactions of the day 366,523 64 

$2,485,768 33 

STATISTICAL INFORMATION = 

Xumber of open accounts January 1, 1919 11,638 

Xiunber of accounts opened or reopened during the year. ... 1,317 

Xumber of accounts closed during the year 1,650 

Amount deposited during the year, not including dividends 

credited for that period $909,347 87 

Amount withdrawn during tlie year 1 , 062 , 945 37 

Amount of dividends credited and paid for the year, viz. : 

July L 1918 $83,734 07 

January i, 1919 83.53113 

Credited at other periods 29 53 

167.294 73 

Arerage amount of each account January 1, 1919 385 16 

H&te per cent, of dividends to depositors during tlie six months 

ending June 30, 1918 4 

V<jiXti per cent, of dividends to depositors during the six montlis 

ending December 31, 1918 4 

Total earning of the bank for the year 1918, after allowing 

for amortization of premiums land discounts $215,354 75 

Total expenses of the bank for tlie year 1918 23,868 80 

I)ividends paid> to depositors for the year 1918 167,294 73 

^et earnings for the year 1018 over expenses and dividends 

paid to depositors 24, 191 22 



DUTCHESS COUNTY 



20. FISHKILL SAVINGS INSTITUTE, FISHKILL 

IMnln street; Incorporated 1857] 



J. 8. L17T8TER. PreBldent. 

C. D. BHERWOOD. Vice-President. 

JOHN RAPBLJB, Vlce-Preildent. 



CHARLES C. ROBINSON, Secretarj. 
RALPH URINCKBRHOFF, Treasurer. 



J. S. LUYSTER. 
CHAR. I). KHKRWOOD. 
RALPH BRINKEJRHOFF. 
nOBRRT W. DOUGHTY, 
C. C. ROBINSON, 
J. H. SNYDER, 



TRUSTEES 
S. L. VAN VOORHIS. 
LEWIS E. WOOD. 
JARVrS S. PHILLIPS. 
CYRUS TOMPKINS, 
.TOITN RAPEL.IE, 
E. H. FOSHAY, 

FINANCIAL 



S. H. PARSONS. 
WM. H. HAIGHT. 
JAMBS ADRIANCB, 
J. B. WALDO, 
FRANK D. KKTCHAM, 
JOHN S. WARREN. 



RBSOURCBS 

Bonds and mortga^oH 

Stock and bond investments, viz.: 



$321,411 40 



Stocks and bonds 



Par 
value 



United States $30, 900 00 

Cities in other States 4,400 00 

Cities in this State 5,400 00 

Towns in tills State 18,600 00 

Villages in this State 45. 768 00 

School districts in thiK State 78.383 90 

Railroad mortgage bonds 61,000 00 



Original 
cost 

190,087 12 
4.772 66 
5.400 00 
19,35.3 00 
49,031 58 
80.677 96 
CO, 738 46 



Efttimated 
market value 

$30.900 00 

4.664 00 

5.400 00 

19. 266 00 

47.251 80 

• 80,364 57 

46.960 00 



$244,45190 $250,060 78 $234.806 37 



Promissory notes 

Banking house and lot, book value, $2,500; cost, $2,500; actual 
cash value 

Other real estate, book value, $250; cost, $250: actual ca»h 
va,l'ue 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all otijer assets, viz.: 

Due on Liberty Bmu\< $12.268 75 

Land contract 250 00 



234,806 37 
40 00 

2,500 00 

250 00 

51,504 49 

4,554 80 

9.295 16 



12.518 75 
.t0.3t),8S(> !)7 



LIABILITIES 

Amount due depositors, viz.: 

Principal $580, 168 78 

Dividends credited '>r to bo credited f(»r the six 

months ending with December 31. 1918 11.409 28 



Other liabilities, viz.: Expenses incurred, but unpaid, miscel- 
laneous 

Surplus on market value 



$597,578 06 

22 50 
39.280 41 

$6,30,880 97 



Surplus on par value, $48,925.94 

CASH TRANSACTIONS DT'RTNT; THE YEAR 1918 

RECEIPTS 
Caah on hand and in banks or tru«t conip:in.iesi January 1, 

1918, before transactions of the day 

From depo8it>ors, not inchuMnp^ dividends credited 

From interest on loans, deposits and investments 

From mortgages 

From redemption of stocks and b(mds 

[741 



$59,949 15 
82,143 28 
.30,513 95 
18,802 00 
18.757 10 



Dutchess County 75 



From all other sources, viz.: 

Received on land contract, KURpemte IS,*} 00 

Liberty bond installments from subKcribers 89, 790 75 



$89,843 75 



$300,009 23 



PAYMENTS 

To dejKisitors, im*liiding dividends paid to thcMii $94,683 33 

Kor loans on txmds 4iiul njorl^a^es 10, 650 00 

Kor h>an!> <in ftUn-ks and bcmd.s and other securities 40 00 

Kor slocks and Ixinds purclinscHl, including premiums, commis- 
sions, etc. (total par value, $44.900) 43,427 26 

For interest (oiher than dividend payments to depositors) . . 199 79 

For current expenses of the bank, viz.: 

For Ralariefi |2. 525 00 

For taxes: Banking; house, $33.83; surplus, 1314.46 348 23 

For expenses, except taxen, of banking house : 

Repairs 7 96 

Insurance S4 54 

Other 94 97 

For other expen.<e>«. not includinf; expenses of other 
real estate nor other expenses of banking hou.se.. 451 80 

3,462 56 

other pajments, viz.: Lil>eii;y Bond installment account 91,487 00 

V&^i on hand and in banks or trust compan-ies l>ecemb<»r 31, 
191S, after transactions of the dav 56,059 29 



$300,009 23 



STATISTICAL INFORMATION 

XumlMT of open accounts January 1, 1919 1, 132 

Number of accounts opened or reopened during the year.... 99 

N'umber of accoimts closed during the year 100 

ABKiimt depoeited during the year, not including dividends 

credited for that period * .$82 , 143 28 

Amount witlidraum during the year 94,683 33 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 111,335 7« 

January 1. 1919 11.409 28 

22,745 04 

Average amount of eaeh account January 1, 1919 527 89 

Rate per cent, of dividendiB to depositoi^ during the six months 

ending June 30, 1918 4 

Ralf per cent, of dividend** to dep^Ksitors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discxnmts $30,510 92 

Total expenses of the bank for the year 1918 3,462 56 

IJividends paid to depositors for the jear 1918 22, 745 04 

•Vet earnrings for the year 1918 over expenses and dividends 

paid to depositors 4, 303 32 



76 Report on Savings Banks 

21. MATTEAWAH SAVIKOS BANK, BEACON 

[672 Main street; Incorporated 1806] 

SAMUBL K. PHILLIPS, President HEyNRY S. CORNEY. Treasurer. 

FRANK H. BRETT. Vice-President. PETER H. V08BUR0H, SeereUry. 

B. franklin GREENE, Vice-President. 

TRUSTEES 

GEORGE H. WILLIAMS, JOHN O. WlXOM. EUGENE B. SMITH, 

B. FRANKLIN GREENE, PETER H. VOSBURGH. HENRY D. JACKSON, 

SAMUEL K. PHILLIPS, HENRY D. WEEKS, PAULL J. CHALLBN, 

T. J. CUNNINGHAM, SHERWOOD PHILLIPS, F. H. VAN HOUTBN, 

FRANK H. BRETT, JOHN H. LYNCH, ROSWBLL 8. JUDSON. 

WM. U. SOUTHARD, LOUIS E. KAMPF, ELTON G. STORM, 

BBNJ. I. D. ROOSA, HENRY S. CORNBY, ROBERT L. GORDON. 

FINAKGIAL 

RBSOUBCES 

Bonds and mortgages $518,813 00 

Stock and bond inyestments, viz.: 

Par Original Estimated 

_ Stocks and bonds -value cost market vaAue 

United States 1141.012 92 |14i.012 92 1141,012 92 

ClUes In this State 113,000 00 106.306 60 107.8W 00 

Towns in this State 6,000 00 5.225 00 5.15000 

Villages In this State 108.070 00 111,888 48 108,923 00 

School districts in this State 19,720 00 90,965 86 19,066 00 

Railroad mortgage bonds. ... 93, 000 00 90. 162 38 72, 840 00 

1479, 802 92 |477, 651 23 |466. 440 92 



455,440 92 

Other real estate, book value, $461.49; cost, $461.49; actual 

eaatk value 461 49 

Cash on deposit in banks or trust companies 42,548 75 

Gash on hand 2,389 97 

Total of collectible interest 16,099 41 

Amount of all other assets, viz. : Land contract 1 ,076 00 



$1,036,779 54 

r 



LJ ABILITIES 

Amount due depositors, viz.: 

Principal $91/7,382 07 

Dividends credited or to be credited for the six 
months endinflr with December 31, 1918 17,406 20 



Other liabilities, viz. : 

Dividends accrued on deposits to January 1, 1919 16,748 32 

Liberty Bond deposits 30. 646 26 



$934,738 27 



37,394 57 



Surplus on market value 64,646 70 

$1,036,779 54 



Surplus on par value, $89,008.70. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $47, 107 25 

From depositors, not including dividends credited 188,763 60 

From interest on loans, deposits and investments 47, 172 41 

From mortgages 9,460 00 

From redemption of stocks and bonds 124,677 60 

From stocks and bonds sold (total par value, $3,295.90) 3,295 90 

From loans paid 100 00 

From real estate sold 60 00 



Dutchess County 77 

From aU other aonrcea, vis. : 

iBBiumiice premiums and taxes advanced, rei»aid; 
foreclosure erpcnse recovered; fir loss, insur- 
ance received 4,88406 

Liberty Bond payments by subscribers 101,872 78 

$106,106 84 



$626,733 60 



PAYIIBNTS 

To depoutors, including dividends paid to them $204,229 66 

For loans on bonds and mortgages 3,200 00 

For loans cm stocks and bonds and other securities 100 00 

For stocks and bonds purcha«ed, including premiums, commis- 
sions, etc (total par vialue, $173,106.58) 173, 106 68 

For interest (other than dividend payments to depositors) . . . 617 46 

For current expenses of the bank, viz. : 

Tot salaries $8,81000 

F^ortaxes: Surplus 606 07 

Fbr rent of bankins rooms 408 00 

For expense of other real estate, vis. : 

Insurance 4 96 

Taxes 26 86 

Fer other expenses, not Including expenses of other 
real estate nor other expenses of banking? house.. 1,824 41 

6,169 69 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 1,251 51 

OUier payments, vie: 

Insurance premiums and taxes advanced; fore- 
closure expense I380J9 

Liberty Bond account 93,789 80 

94,169 99 

Cadi on hand and in banks or trust companies December 31, 

1918, after transactions of the day 44,888 72 



$526,733 50 



STATISTICAL INFORBiATION 

Number of open accounts January 1, 1919 2, 360 

Xomber of accounts opened or reopened' during the year .... 354 

Kumber of accounts closed during the year 324 

Amount depoedted during the year, not including divid^ida 

credited for that period $188,763 60 

Amount withdrawn durins the year 204,229 65 

Amoimt of dividends credited and paid for the year, vis.. 

July 1, 191S 117.68868 

January l, 1»19 17,406 20 

35,089 78 

Average amount of each account Jantiary 1, 1919 396 07 

Rate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Rate per cent, of dividend's to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the bank for the year 191 8^, after allowing 

for amortlzaticNi of premiums and discounts $47,654 77 

Total expenses of the hank for the year 1918 5, 169 69 

Dividends paid to depositors for the year 1918 35, 089 73 

Ket eaniings for the year 1918* over expenses and dividends 

paid to depositors 7,295 35 



78 Report on Savings Banks 

82. THE MECHANICS SAVINGS BANK, BEACON. 

[91 Main street; Incorporated 1866] 

JOHN T. SMITH. President. fJBOIKJE CHATTERTON. Secretary. 

BENJAMIN HAMMOND. Vice-President. BERTRAM L. SMITH, Treuarer. 

FERDINAND LOUGHRAN. Vice-President. 

TRUSTEES 

JOHN T. SMITH. ANDREW BARNES. WM. YATES, 

BENJAMIN HAMMOND, JAMES E. VAN HOUTEN, GEORGE CHATTERTOH 

JOHN W. COR WIN, W. J. PRAL.\TOWSKI, R. F. C. KIEB, 

BERTRAM L. SMITH, AARON E. ALDRIDGE, HOMER H. STUART, 

PRESTON GREENE, WM. J. CONKLIN, ROBERT McKINLEY. 

ITERD. LOUGHRAN, FRANK L. HOWARD, ROBERT B. LAMB, 

CHESTER H. BOND. HENRY MONTGOMERY. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $851 ,453 47 

Stock and bond investmentB, viz.: 

Par Orii^lnal Estimated 

Btoek$ and 5ofuU value cost market Talna* 

United States 1192,126 00 $192.125 00 $192,125 00 

Cities in other States 188. 700 00 197. 79S 63 189. 474 00 

Cities in this State 332. 019 66 342. 530 26 325, 181 76 

Counties in this State 46,000 00 49.600 50 44.850 00 

Towns in this State 228.000 00 236.230 41 229.600 00* 

Villages in this State 509, 691 72 528. 637 86 512. 122 88 

School districts in this State 180.650 00 190.797 49 187,977 00 

Railroad mortgage bonds 242,000 00 2.39.060 186.610 OO 

$1, 918. 086 38 $1 . 976. 770 15 $1, 867. 840 64 



1,867,840 64 
Banking hou«e and lot, book value, $15,000; cost, $22,460.22; 

actual caah value 15.000 00 

Other real estate, book value, $»,007.90 ; cost, $9,007.90 ; actual 

cash value 8. »50 00 

Cash on deposit in banks or tru«t companies 122. 194 76 

Cash on hand 1 ,601 05 

Total of collectible interest 41.985 84 

Amount of all other assets, viz. : 

Land contracts $27,242 04 

Rent accrued 730 50 

Insurance premiums and taxes advanced 1. 740 64 

War Savings Stamps 516 06 



30,229 24 



LIABILITIES 

Amount due depositors, viz.: 

Principal $2,495,124 29 

Dividends credited or to be credited for tJie kIx 
months ending with December 31. 1918 47,44188 



$2,939,155 00 



Other Ivabilities, viz.: 

Dividends accrued on deposits to January 1, 1919 $16,950 44 

Expenses Incurred, but unpaid, bonding officers 37 50 

Loan, account Liberty Bonds 75.000 00 



$2,542,566 17 



91.987 94 

Surplus on market value .^nl . 600 89 

$2,939,155 00 

Surplus on par value, $354,846.63. :z 
CASH TRAXSACTIOXS DURING. THE YEAR 1918 

RECEIPTS 

Gash on hand and in hajiks or trust companies January 1, 

1918, before transactions of the day * . . . $88,473 03 

From depositors, not inchuling dividends credited* 494,173 47 

From interest on loans, deposits and investments 129.497 73 

From rents from banking house 805 50 

From rents from other real estate 201 82 

From mortgages 20, 022 50 

From redemption of stocks and bonds 3S.466 67 

From stocks and bonds sold (total par value, $139.050) 130,050 00 

From real estate sold 4. 000 00 

From all other sources, viz.: 



Dutchess County 79 

iDRurance premiums and taxes advanced, refunded |948 60 

Land contracts G62 96 

Insurance received for fire losses 3.403 15 

Suspense * dormant check 50 16 

Loan account Liberty Bonds 75.000 00 

$994,757 59 
PAYMENTS 

To depoaitors, includiing dividends paid to them $558,300 35 

For loand on bonds and mortgages 4, 150 00 

For stocks 4md bonds purchased, including premiums, commis- 
sions, etc ( total par value, $224,545) 224» 546 00 

For interest (other than dividend payments to depositors) .... 3,057 87 

For current expenses of the bank, viz. : 

For salaries |6.»76 21 

IV>r taxes: Bankinj; hou^e, 1617.60: surplus, $2,686.65 3.304 25 

For expenses, except taxes, of banking hou.se : 

Beiwlrs 52 13 

Insurance 285 97 

Other 806 25 

For expenses of other real estate, viz. : 

Repairs 34 40 

Insurance 163 05 

Taxes 32115 

Other ^ 26 29 

For other expenses, not including expenses of other 
real estate nor other expenses of banking hounc.. 2,920 78 

14,879 48 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 10,256 78 

Other payments, viz.: 

Insurance premiums and taxes advanced 1776 34 

Insurance, Are losses paid to mortgagors 3. 405 16 

U. S. War Savings Stamps purchased ; Commission 

on real estate sold ; Suspense 684 81 

Bills payable. Liberty Loan account 50.000 00 

54,866 30 

Caah on hand and in banks or trust companies December 31, 

1918, after transactions of the day 123.795 81 

$994 757 59 

STATISTICAL INFORMATION = 

Number of open accmmtfl January 1, 1919 6, 152 

Number of aecoimt» opened or reop<*ned during the year. . . . 1,572 

Number of accountfi closed during the year 1 , 168 

Amount deposited during the year, not including dividends 

credited for that period " $494,173 47 

Amount withdrawn during the year 558, 306 35 

Amount of dividends credited and paid for the year, viz.: 

May 1, »18 $48,123 84 

November 1, 1918 47.44188 

— 95,665 72 

Average amount of each account January 1, 1919 413 29 

Number of accounts which exceeded $3,000, exclusive of divi- 
dendlB credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
judicial sales, or trust funds, or by order of a. court of 

record or of a surrrjgate 2 

Total amount of such accoimts (Liberty bond accounts, tem- 
porary) ." $17,642 02 

Rate per cent, of dividends to depositors during the »<ix months 

ending June 30, 1918 4 

Rate per cent, of dividend's to depo.sitorH during tlie six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiimis and diHcounts $1*25,338 29 

Total expenses of the bank for the year 1918 14. 879 48 

Dividends paid" ix> depositors for the year 1918 95,505 72 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 14, 893 09 



Nl^ 



Report ox .Savings Banks 



88. PAWLIH6 SAVINGS BAHK, PAWLIH6 

[Ineorpontcd 1S70] 

MKUtlCK D. GREEN, President HBNBT D. WARNER. Ylce-PresldCBt 

WILLIAM H. 08B0RN. Vlee-Presldeiit. HOWARD N. ALLEN, Secretary- 

GEORGE A. DANIELS, ~ 



RKNRT A. HOLMES. 
GEORGE A. ADAMS. 
HENRT 8. WANZER. 
MERRICK D. GREEN, 



TRUSTEES 
WILLIAM H. OSBORN, 
GEORGE A. DANIELS. 
FRED C. TABER. 
FRANK A. DENTON. 
HOWARD N. ALLEN. 



FRANK P. HOAG. 
ORSON W. SLOAT. 
HENRT D. WARNER. 
HENRT F. BLBSSINd. 



FI^ASCIAL 
RESOURCES 

Bonds and mortgages 

Stock and bond invest mcnts, viz.: 



1428,905 00 



Par 
Btooks and Inmdti value 

United States $26,000 00 

State of Massachusett/i 10,000 GO 

Cities in other States 40. 000 00 

Cities In this State 35,000 00 

Counties in this State 15.000 00 

Towns in this State 27,000 00 

Villages in this State 52, 000 00 

School districts in this State es, 600 00 

Railroad mortgage bonds. . . . 118, 000 00 



Original 
cost 

$26,000 00 
10.900 00 
41,302 00 
35,807 19 
16.200 00 
28.069 40 
63,607 71 
67,784 98 

119,610 45 



Estimated 
market value 

$25,000 00 
9,000 00 
40,476 00 
33.385 00 
14,700 00 
27,780 00 
51,893 60 
67.282 51 
89,580 00 



$383,160 00 $398.28173 $369.066 11 



Banldnff house and lot, ho€k value, $10,000; cost, $10,825.54; 

actufQ cash value 

Cash on deposit in banlcs or trust companies 

Cash on hand 

Total of collectible interest 



359.006 11 

6,000 (m 

49,988 8S 
.3,758 75 

10,102 48 

$857,821 22 
LIABILITIES 

Amount due depositors, viz.: 

Principal $783,627 23 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 14,812 63 

$797,9.']9 80 

Surplus aa market value 59 . SSI .30 



$857,821 22 



Surplus on par value, $83,075.25. 



CASH TRANSACTIONS DURING THE YEAR 1018 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1018, befpre transactions of the day 

From depocritors, not including dividends credited 

From interest on loano, deposits and investments 

From renta from other real estate 

From mortga^s 

From redemption of stodcs and bonds 

From stocks and Ixmds sold (total par value, $3,525) 

From real estate sold 

From all other sources, viz.: From sale of U. S. Thrift stamps. 



J?.57,504 50 

131,837 04 

39,285 14 

45 00 

27,025 00 

4,820 00 

2.522 85 

3.000 00 

62 25 



$266,191 84 



Ddtchkss County 81 

PAYliBNTS 

To depositorft, including dividends paid to them $179,359 73 

For loans on bonds and mortgages 8,000 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $18,525) 17,585 10 

For current expenses of the bank, viz.: 

For salaries $2,14100 

Vor taxes : Banking house, $238.81 ; surplus, $486.01. . 725 82 

For expenses, except taxes, of banking house : 

Bepairs 118 8S 

Insurance 16 60 

Other 197 36 

For expenses of other real estate, vis. : 

Bepairs 3 00 

Insurance 40 87 

Taxes 91 15 

Other 1000 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house. . 1. 156 31 



4.499 36 
For real estate acquired by foreclosure, or in settlement of 

debts due the bank 3,000 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 53,747 63 



$266,191 84 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 2, 144 

Number of accounts opened or reopened during the year .... 197 

Number of accounts doeed during the year 180 

Amount deposited during the year, not including dU'^idends 

credited for that period $131 ,837 04 

Amount withdrawn during the year 179, 359 75 

Amount of dividends credited and paid for the year, viz.: 

Jaly 1, 1918 $14,437 25 

January 1. 19W 14,312 63 

28,749 88 

Average amount of each account January 1, 1919 371 22 

Rate per cent, of dividends to depo&ritors during the six months 

ending June 30, 1918 ^ 3 and 4 

Rate per cent, of dividends to depositors during the six months 

aiding December 31, 1918 3 and 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $38. 733 95 

Total expenses of the bank for the year 1918 4 ,499 36 

Dividends paid to depositors for the year 1918 28,749 88 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 5. 484 71 



82 



Report on Savings Banks 



24. THS POUGHKSSPSIB SAVINGS BANK, POUGHKBEPSIB 

[21 and 23 Market street; incorporated 1831] 



PLOT M. JOHNSTON. President. 
EDWARD 8. ATWATiOR, Yice-Pres. 
HENRY V. PELTON. Vice-President. 



J. FREDERICK IX>VEJOY, Treasurer. 
HARRT E. MEEKS, Asst. Treasurer. 



FRANK B. LOWN. 
HENRY V. PBLTON, 
EDWARD 8. ATWATER, 
HENRY E. LOSEY. 



THUSTEES 
HARRI8 8. REYNOLDS, 
JOHN C. OTIS. 
FLOY M. JOHNSTON, 
JAMES H. YOUNQ, 

FINANCIAL 



J. FREDERICK LOVEJOY, 
WILLET E. HOYSRADT. 
HENRY BOOTH. 
JOHN E. ADRLINCE. 



RESOURCES 

Bonds and mortgages $8, 606,899 41 

Stock and bond investment, viz.: 

« . Par 

Stocks and bonds value 

United States $843.684 00 

State of Idaho 60.000 00 

State of Massachusetts 200, 000 00 

State of Utah 90,000 00 

Cities in other States 412, 000 00 

Cities in this State 1,922.400 32 

Counties in this State 81, 500 00 

Towns in this State 131, 682 99 

Milages in this State 670. 377 30 

School districts in this State 196.660 00 

Railroad mortgage bonds 2,023,000 00 



Original 

cost 

1843.684 00 

49,160 00 

215,460 00 

90,064 60 

427,176 48 

1.980,228 86 

81.909 70 

136,706 96 

686.979 06 

203,304 71 

2,066,723 09 



Estimated 

market value 

1843,684 00 

48,600 00 

176,000 00 

87.300 00 

401.140 00 

1.862,423 87 

80,396 00 

133,878 97 

673,630 20 

199.268 25 

1.690,190 00 



16.620,094 61 |6, 781. 287 35 $6,096,310 29 



Promissory notes 

Banking house and lot, book value, $120,000; cost, $193,- 

328.60 ; actual casih value 

Other real estate, book value, $16,160.93; cost, $16,160.93; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand' 

Total o( collectible interest 

Amount of all other assets, viz.: 

$582 82 

6000 



6,095,310 29 
76,900 00 

120,000 00 

10.000 00 
611,742 23 
130,610 87 
185,856 78 



Insurance premiums and taxes advanced. 
Rent accrued 



U. S. Thrift Stamps ^ 



632 00 



1,184 82 



LIABILITIES 
Amount due depositors, viz.: 

Principal $14,271,589 07 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 274, 933 47 



$15,837,504 40 



Other liabilities, viz.: 

Bills payable $260,000 00 

Interest accrued on bills payable 1,977 43 



^14.546,522 54 



251,977 43 
Surplus on market value 1 , 039 . 004 43 

$15,837,504 40 
Surplus on par value $1,563,788.75. ===== 

CASH TRANSACTION'S DURIN(J THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $711 , 936 83 

From depositors, not including dividends cn'dited 1.949.023 41 

From interest on loans, deposits and investments 715,194 97 

From rents from other real estate 300 00 

From mortgages 258,252 75 



Dutchess County 83 

From redemption of stocks and bonds $29^,296 21 

From stocks and bonds sold (total par value, $179,650) 179,650 00 

From loans paid 63, 183 62 

From all other sources, viz. : 

Insarance premiums and taxes advanced, refunded.. |3,390 36 

Received on land contract ; examination fees ; ad- 
justment cash shortage 1,310 72 

Bills payable 350,000 00 

War Savings Stamps 2,186 00 

356.887 08 

$4,533.724 87 

PAYMENTS 

To depositors, including dividends paid to them $2,702,361 85 

For loans on bonds and mortgages 64, 506 32 

For loans oo. stocks and bonds and other securities 50,000 00 

For stocks and bonds purchased, including premiiuns, commis- 

siona, etc. (total par value, $802. 193.77) 802, 120 83 

For interest (other than dividend payments to depositors) .... 4, 103 72 

For current expenses of the bank, viz.: 

For salaries $26,139 80 

For taxes: Banking house, $1,839.61 : nnrphifi, $9,606.14 11,345 75 
FV>r fapenses, except taxes, of banking house: 

Repairs 126 46 

Insurance 68 76 

Other 724 21 

For expenses of other real estate, viz. : 

Repairs 22 50 

Insurance 73 82 

For other expenaes, not including expenses of other 
real estate nor other expenses of banking house.. 6,990 66 

46,481 94 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 16, 160 93 

Other payments, viz.: 

Insurance premiums and taxes advanced $3, 918 18 

U. S. Thrift Stamps purchased 532 00 

Bills payable, paid on account 100,000 00 

War Savings StampH 2,186 00 

106,6.36 IS 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the dtiy 742. 353 10 

$4,533.724 87 

STATISTICAL INFORMATION ""^"^ 

Xumber of open accounts January 1, 1919 27. 478 

Xumber of accounts opened or reopened during the year 2,087 

Xumber of accounts closed during the year 2,697 

Amount deposited during the year, not including dividends 

credited for that period $1,949,023 41 

Amount withdraiMi during the year 2,702, 361 85 

AnKMint of dividends credited and paid for the year, viz. : 

July 1. 1918 .'.... $277,227 00 

Janna ry 1, 1919 274 , 933 47 

Credited at other periods 1 16 

652,161 63 

Average amount of each account January 1, 1919 529 38 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31 , 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $700,713 13 

Total expenses of the bank for the year 1918 .45,481 94 

Dividends paid to depositors for the year 1918 5i>2, 161 63 

Net earnings for the year 1918 over expenses and dividends 

paid to depootora 103,069 65 



84r Report ox Savings Banks 

25. RHINSBECK SAVINGS BANK, RHINEBECK 

[16 Montgomery street; incorporated 1860] 

AUGUSTUS M. TRAYBR, President M. Y. B. 8CHRTVBR. Ylce-President. 
JACOB H. STRONQ Vice-President. A. L£E BTICKLE, Treasnrer. 

TRUSTEES 

AUGUSTUS M. TRAVER, WILLIAM R. CARROLL, CHARLES FERRIS, 

M. V. B. SCHRTVBR. MANDEVILLB S. FROST, TRACT DOWS, 

JACOB H. STRONG, ELMER COON. MARCUS M. LOWN. 

JAS. S. ARMSTRONG, CHAS. B. HO^TMAN. JOHN P. HERMANS, 

A. LEE STICKLE, EUGENE P. BUDD, WILLIAM P. ADAMS. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $440» 879 75 

Stock a.nd bond investments, vis.: 

Par Original Estimated 

Btock9 and donds value cost market value 

United States |46.1Kt4 00 145.264 60 146.946 00 

State of Louisiana 10.000 00 9,976 00 10.20000 

Cities in.otlier States 36.000 00 88,804 46 34,660 00 

Cities in this State 76,000 00 80,007 00 74,285 00 

Counties in this State 6.000 00 6,922 40 5.900 00 

Towns in this State 23,800 00 24.667 30 24.023 00 

Villages in this State 93.065 40 99.128 84 91.607 69 

Railroad mortgage bonds.... 174,000 00 179.349 68 150,060 00 

1464,819 40 1488,709 17 $436,691 69 



436,691 69 
Banking house and lot, book value, $5,000; cost, $10,111.20; 

actual ca^ value 5. 000 00 

Oash on deposit in banks or trust companies 38,331 45 

Cash on hand 6,531 63 

Total of collectible interest 11, 108 69 

Amount of all other assets, viz.: Due on Liberty Bonds 4,682 50 



$943,225 71 



LIABILITIES 

Amount due depositors, viz.: 

Principal 1880,110 55 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 16. 618 76 



$885,729 31 



Surplus on market value 57, 496 40 

$943,225 71 



Surplus on par value, $85,624.11. 

CASH TRAXSACTIOXS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $43,554 12 

From depositors, not including dividends credited 124,917 64 

From interest on loans, deposits «nd investments 43,071 07 

From mortgages 28,900 00 

From redemption of stocks and bonds 20,500 00 

From stocks and bonds sold (total par value, $21.000) 21,553 00 

From real estate sold 404 69 

From all other sources, viz.: 

Insurance premiums and taxes advanced, refunded.. |56 10 

Unpresented cashier's checic credited to profit and 

loss 5 66 

Liberty Bond payments by subscribers 120, 563 64 

U. S. war Savings Stamps sold 4, 967 87 

125,593 27 



$408,494 69 



Dutchess County 85 



PAXMBNTS 

To depoeitora, including dividends paid to them $156,947 09 

For loans on bonds and mortgages 20, 000 00 

For stocks and bonds purchased, including premiums, commis- 

uons, etc. (total par value, $50,934) 50,264 50 

For interest (other than dividend payments to depositors) . . . 306 22 

For current expenses of the bank, viz.: 

For salaries $3,230 00 

For taxes : Banking house, 1145.43 ; surplus, $630.02. . 676 46 

For expenses, except taxes, of banking house : 

Repairs 1166 ■ 

Insurance 29 92 

Other 6 50 

For other expenses, not including expenses of other 
real estate nor other expenses of banking houf^e.. 1,142 99 

6,096 42 

For real estate acquired by foreclosure, or in settlement of 

debts due tlie bank 766 81 

Other payments, viz.: 

Insurance premiums and taxes advanced $87 66 

r. 8. War Savings Stamps 4,967 87 

LibcHTty Bond account 126,246 14 

130,251 57 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the d«y 44,863 08 

$408,494 69 



STATISTICAL INFORMATION 

yumber of open accounts January 1, 1919 2,915 

Number of accoimts opened or reopened during the year 211 

Number of accounts closed during the year 255 

Amount deposited during the year, not including dividends 

credited for that penod $124,917 64 

Amount withdrawn during the year 156. 947 09 

Amount of diridendB credited and paid for the year, viz. : 

July 1, 1918 $15,931 14 

January 1, 1919 16,618 76 

To correct error In dividend of Jan. 1, 1918 27 18 

32,522 72 

Average amount of each account January 1, 1919 303 95 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3 and 4 

lUte per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums land discounts $41 ,571 05 

TotBl expenses of the bank for the year 1918 5, 096 42 

Dividends paid to depositors for the year 1918 32,549 90 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 3, 924 73 



86 Report ox Savings Banks 

26. WAPPIN6ER SAVINGS BANK, WAPPIN6ERS FALLS 

[2 Mill street: Incorporated 1869] 

I. T. N. HARCOUBT, Vice-President WILLIAM A. BREWSTER. Treasurer. 
CHARLES T. JONES, Vicp-Prosldpiit. J. W. CORNELL, Asst Treasurer. 

J. WYCKOfV CORNELL. Secretary. 

TRUSTEES 

MORTENSE H. CORNELL. J. WYCKOFP CORNELL, THOMAS J. CASHIN, 

\VM. A. liREWSTKR. JOHN H. WIXSON. WILLIAM J. WORKMAN. 

ERNEST D. BAXTER. GEORGE H. ANGELL, I. T. N. HARCOURT. 

GEORGE W. ABBOTT. CHARLES T. JONES, G. A. CUNNINGHAM. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $382,860 00 

Stock and bond investment», viz.: 

Par Ori;irlnal Estimated 

fitnrks and hondt value < oHt market value 

rnltod States $58.C96 00 $58,68100 $58.096 00 

Cities In this State 26, 426 67 26, 925 78 26. 4S4 00 

Counties In thif< State 41,3^22 41,842 22 40,134 22 

Towns In this State 21.400 00 22,706 28 20,832 00 

Vlllap:efl In thlH State 38.780 00 39,379 33 40.123 80 

School districts In this State 26,000 00 26,489 60 26,600 00 

Railroad mortgage bonds.... 101,000 00 107,29125 85.710 00 



$316,636 89 $323,318 46 $298,480 02 



2(>8.480 02 

Cash cm deposit in banks or trust companies 91 , 130 11 

Canh on hand 3,662 62 

Total of collectible interest 10,015 77 



$786,138 52 

LIABILITIES 
Amount due depositors, viz.: 

Principal $719,769 88 

Dividends credited or to bo credited for the six 

months ending with December 31, 1918 13. 733 83 

$733,503 69 

Other liabilities^ viz.: Dividends accnied on deposits to Jan- 
uary 1, 1019 6,900 00 

Surplus on market value 45f 734 83 

$786,138 52 



Surplus on par value, $63,801.70 

CASH TRAXSACTI0X8 DURING THE YEAR 1918 

RECEIPTS 

Ca.sli on hand and in banks or trust companies January 1, 

1918, before transactions of the day ! . . . $109,427 03 

From depositors, not ineluding dividends credited 247,107 61 

From interest on loans, deposits and investments 36.203 77 

From moi-tga^ea 7, 236 00 

From redemption of stocks and bonds 57,054 22 

From stocks and bonds .sold (total par value, $81,800) 81,800 00 

$538,827 63 



PAYMENTS 

To depositors, including dividends paid to them $243,466 69 

for stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $196,168.22) 196,440 98 

For interest (other than dividend payments to depositors) ... 90 37 



Dl'tchess County 87 

For current expenses of the bank, viz. : 

For fuUaries 12,700 00 

For taxes: Sur^tloii 473 54 

For expenses, except taxes, of banking house : 

Repairs 47 75 

For rent of banking rooms 180 00 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house. . 630 17 

$4,031 46 

Other payments, viz.: Insurance premdum advaneed 15 40 

Csflh on haiKi and in banks or trust companies December 31, 

1918, after transactions of the day 94,782 73 

$538,827 63 



STATISTICAL INFORMATION 

Number of open accouBts J<anuary 1, 1019 1*775 

Komber of accounts opened and reopened during the year .... 202 

Xumber of aeoounts closed during the year 189 

Amount deposited during the year, not including dividends 

credited for that period $247. 107 61 

Amount withdrawn during the year 243,466 69 

Amount of dividends credited and paid for the year, viz.: 

April 1, ms $13,749 45 

October 1, 1918 13,733 83 

27,483 28 

Average amount of each account January 1, 1919 414 36 

Rate per cent, of dividends to depositors during the six 

months ending April 1, 1918 4 

Rate per cent, of dividends to depositors during the six 

months ending October 1, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $35,945 10 

Total expenses of the bank for the year 1918 4,031 46 

Dividends paid to depositors for the year 1918 27,483 28 

Net earnings for the year 1918 over expenses and dividends 
paid to depoaitors 4,430 36 



ERIE COUNTY 



27. AMERICAN SAVINGS BANK OF BUFFALO, BUFFALO 

[216 Main street; incorporated 1907] 

JOHN M. SATTBRFIELD, President, JAMES HANRAHAN. Vice-President. 
CHARLB8 J. FIX, Vice-Pres. WILLIAM P. LUBDSKB, Secretary. 

TRUSTEES 

FRANK X. ARGUS, F. E. FRONCZAK, WM. P. LUEDEKB, 

WII4LIAM T. ATWATER. JAMBS UANUAllAN, NORMAN B. MACK, 

ALJ^UBD H. BURT. ROBERT U. UEUSSLER, J. M. SATTERF1EL.D, 

MYRON P. BUSH, WM. U. HOTCUK1S8, THOMAS 8T0DDART, 

EDWARD H. BUTLER. DUDLEY M. IRWIN, CUAS. W. TOYNBEE. 

CHARLES J. FIX. BERT L. JONES, G. M. ZIMMERMAN. 
HERBERT A. MELDRUM, 

FINANCIAL 

RESOURCES 

Bonds and mortgages $1,943,385 00 

iStock and bond investments, viz.: 

Par Original Estimated 

Btockt and bonds value cost market value 

United States $226,000 00 |225,00000 |225,000 00 

State of New Mexico 30,000 00 29,333 86 29,400 00 

Cities in other States 66,000 00 68,77177 66,650 00 

Cities in this State 138.739 08 139,403 83 137,79668 

Towns in this State 24.000 00 24,937 92 24,600 00 

VUiases in this State 70,100 00 70,289 27 70,104 00 

Railroad mortgage bonds.... 614,000 00 606,607 64 468,860 00 

11. 066, 839 03 |1, 061, 344 19 |1, 021, 300 68 

=== ==_ _„== 1,021,300 68 

Promissory notes 3t, 915 00 

Gash on deposit in banks or trust compcmies 312,834 68 

Cash on hand 16.4(36 27 

Total of collectible interest 23,272 57 



$3,321,174 20 



LIABILITIES 
Amount due depositors, viz.: 

Principal 13,191,943 09 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 57, 734 26 

$3,249,077 35 

Surplus on market value 71 ,496 85 



$3,321,174 20 



Surplus on par value, $117,035.20 

CASH TRAN.SACTIOXS DURINCJ THE YEAR 1918 

RECEIPTS 
Cash on liand <and> in banks or trust companieH January 1, 

1918, before transactions of the day ? . . . $203,543 48 

From depositors, not including dividendH oreilited 1,493,003 51 

From interest on loans, deposits and investinotits 150,377 70 

From mortgages 104 , 310 00 

From redemption of stocks and bonds 68,903 09 

From stocks and bonds sold (total par value, $312,254.47).. 312,254 47 

From loans paid 2, 095 00 

From all other sources, viz.: Exchange and discount 123 90 



$2,334,611 15 

[88] 



Erie County 89 

payments 

To depositors, including dividends paid to Uiem $1,332,947 63 

For loans on bonds and mortgages 1 12 , 700 00 

For loans on stocks And bonds and other securities 6,010 00 

For stocks and bonds purchased, including preroiuin«» comniiK- 

sions, etc. (total par value, $540,.^19'.o4T 535, 507 04 

For interest (other than dividend payments to depositors).. 328 08 

Ftjr current expenses of the bank, viz.: 

For nalaries |8,817 46 

For taxcA : Surplus 477 21 

For rent of banking rooms 5. 000 oo 

For other expen8CM, not including oxpenHe« of other 
real estate nor other expenKes of banking Iiouhc.. 3,522 18 

17,816 85 

Cash on hand and in banks or tnist companies December 31, 
1918, after transaotione of the day 329, 300 95 

$2,334,611 15 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 7,977 

Xiimbcr of accounts opened or reopened during the year.... 2.063 

Xumber of accounts closed during the year 2,391 

AnKitmt deposited during the year, not including dividends 

credited for that period $1,493,003 51 

Amount withdra^-n during the year 1 , 332, 947 63 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 155,807 W 

Jannary l, 1919 57,477 fi5 

Credited at other periods 289 63 

113,675 24 

Average amount of each account January 1, 1919 407 38 

Rate per cent, of dividends to depositors during the six 

months ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six 

months ending December 31, 1918 4 

TotaJ earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $151,567 82 

ToUtl expenses of the bank for the year 1918 17,816 85 

Dividends paid to depositors for the year 1918 113,575 24 

Set earnings for the year 1918 over expenses and dividends 
paid to depositors 20,175 73 



90 



Keport ox Savings Banks 



28. BUFFALO SAVINGS BANK, BUFFALO 

[545 Main street; Incorporated 1846] 

E. CORNING TOWNSBND, President. GBOROB D. 8BAR9, Secretary. 
CHARLBS L. GURNBY, Vice-Pres. F. X. WANBMACHER, Treasurer. 

SEYMOUR P. WHITE, Vlce-Pres. CHARLES DENNY, Asst Secretary. 

OSCAR J. RODENBACH, Asst. Treasurer. 



TRUSTEES 

B. CORNING TOWNSBND, JOHN L. CLAWSON, 

WM. H. GLBNNY. SEYMOUR P. WHITE, 

CHARLES B. HILL, HENRY M. GERRANS, 

RICHARD E. GAVIN. DbWITT CLINTON. 

CHARLES L. GURNEY. C. B. PORTER, 

FINANCIAL 

RESOURCES 

Bonds and mortgages 

^tock and bond investments, viz.: 



I. S. UNDERHILL. 
JOHN A. MANN, 
WM. HUDSON. 
HUGH KENNEDY. 
EDWARD L. KOONS. 



$18,973,970 00 



Par 
Stocks and bonds value 

United States 14,900.000 00 

State of California 101,000 00 

State of Louisiana 100, 000 00 

Cities in other States 6,270,500 00 

Cities in this State 3,386,927 83 



Counties in this State 

Towns in this State 

Villages in this State 

School dlstricta in this State 
Railroad mortgage bonds 



630,000 00 

79,000 00 

156,759 20 

94,760 00 

9, 7U, 000 00 



Original 
cost 

14,886,793 80 

96,328 75 

109,655 00 

6,553.626 96 

3.515.834 70 

543,337 17 

84,332 50 

158,563 27 

96,671 72 

10.209.667 68 



Estimated 
market vahie 

$4,908,854 24 

94.940 00 

105.500 00 

6.269.035 00 

3.374.166 08 

533,935 00 

77,420 00 

148.962 64 

96.200 00 

8,923.520 00 



783,734 76 



$25, 338, 937 03 $26, 254, 811 56 $24, 531, 532 86 

==_== „_===_ ==_,=,_=^ 24,531,532 86 

Bankin;): house and lot, book value, $450,000; cost, $783,- 

734.76 ; actual cash value 

Other real estate, book value, $57,099.68; cost, $57,099.68; 

actual cash value 57 ,099 68 

Caah on deposit in banks or trust companies 3.507,526 85 

Cash on hand 402, 896 97 

Total of collectible interest 375,790 46 



$48,632,551 58 



LIABILITIES 

Amount due depositors, viz.: 

Principal |44, 352. 774 95 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 812,126 34 

$45,164,901 29 

Surplus on market value 3.467,650 29 

$48,632,551 53 



Surplus on par value, $4,275,054.46. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand -and in banks or trust companies January 1, 

1918, before transactions of the day $3, 750,791 98 

From depositors, not including dividends credited 13,895,206 95 

From interest on loans, deposits and investments 2,080,446 12 

From rents from banking house 15, 189 78 

From rents from other real estate 17, 057 55 

From mortgagea 2 , 141 , 553 70 

From redemption of stocks and bonds 3, 113,845 53 

From loans paid , 143, 429 00 

From real estate sold 193,900 00 

Frcxn all other sources, vis.: 



Erie County 91 

Insaranoe premiums advanced, refunded 18 00 

Received in settlement deficiency Judgment 755 73 

Settlement and adjustment " Other real estate" ... 7,820 00 

$8,&83 73 

$25,360,004 35 
PAYMENTS == 

To depositors, including dividends paid to them $12,405,233 83 

For loans on bonds and mortgages 1,270,660 70 

For loans on stocks and bonds and other securities 65,615 50 

For stodcs and bonds purchased, including premiums, commis- 
sions, etc (total par value, $7,402,750) 7,474,648 80 

For interest (other than dividend payments to depositors) . . 13,375 72 

For current expenses of the bank, viz. : 

For salaries 188,250 78 

iV>r taxes : Banking house, 112,012.92 ; surplus 

125,823.48 37,836 40 

For expenses, except taxes, of banking house : 

Repairs 702 86 

Insurance 1,706 84 

Other 13,55000 

For expenses of other real estate, viz. : 

Repairs 1,098 87 

Insurance 220 21 

Taxes 4,444 72 

Other 11,50527 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 16,288 89 

175,604 84 

For real estate accfuired bv foreclosure, or in settlement of 

debts due the bank 41 ,951 14 

Other payments, viz. : From surplus to reduce " Book value " 

of other real estate 2,600 00 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 3,910,423 82 

$25,360,004 35 

m I m 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 70,425 

Number of accounts opened or reopened during the year.... 11,353 

Number of accounts clo^d during the year 10,001 

Amount deposited during the year, not including d^ividends 

credited for that period $13,895,206 96 

Amount withdrawn during the year 12,405,233 82 

Amoont of dividends credited and paid for the year, viz.: 

July 1, 1918 1803.339 68 

January 1, 1919 812,126 34 

Credited at other periods 12,297 78 

Paw but not credited 110 84 

1,627,874 64 ! 

Average amount of each account January 1, 1919 641 32 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' ledgers 
except deposits arising from society accounts, or judicial 
sales, or trust funds, or by order of a court of record or of 
a surrogate 3 

Total amount of such accounts $11, 106 51 

Rate per cent, of dividends to depositors during the six 
months ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six 
months ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 
for amortization of premiums and discounts $2,065,622 21 

Total expenses of the bank for the year 1918 175,604 84 

DiTJdends paid to depositors for the year 1918 1 ,627 ,874 64 

.^et earnings for the year 1918 over expenses and dividends 
paid to depositors 262, 142 73 



92 Bepokt ok Savings Banks 

29. SKIE COUNTY SAYINGS BANK, BUFFALO 
(Main, Niagara, Cbnrch and Pearl itreeta; incorporated 1854] 

ROKBRT 8. DONALDSON, PrMident. ROBERT D. TOUNQ. Treasnrer. 
O. BARRETT RICH, Vice-President. STEPHEN B. LEE, Asst. Treasurer. 

GEORGE R. HOWARD, Vice-President. 

TRUSTEES 

ROBERT S. DONALDSON, JOHN C. BRADLEY. WHITNEY G. CASE, 

GEORGE U WILLIAMS. CARLTON M. SMITH, ROBERT D. YOUNG. 

WILLIAM A. ROGERS, THOS. T. RAMSDELL, GEORGE C. GINTHBR. 

G. BARRETT RICH, JOHN W. ROBINSON, JOHN K. WALKER, 

GEORGE R. HOWARD, H. W. SPRAGUE. £. H. HUTCHINSON. 

FINANCLAL 

RESOURCES 

Bonds and mortgages $34,418,452 93 

Stock and bond investments, vIe.: 

Par Original Estimated 

Stocks and hond$ value cost market value 

United States 13.175,000 00 $3,175.00000 |3,175.00000 

State of Alabama 300,00000 320.345 00 294.000 00 

State of Massachusetts 500. 000 00 560, 626 00 440. 000 00 

Cities in other States 3. 062, 000 00 3. 222. 705 45 2. 919. 140 00 

Cities in this State 7. 592, 606 07 7, 698. 974 12 7, 184. 485 57 

Counties in this State 20.000 00 20,000 00 19.600 00 

Railroad mortgage bonds... 10,175.000 00 10,748.732 30 8.436,730 00 

$24,844,608 07 $25.746. 381 87 $22,468,955 67 



22,468,955 57 

Promissory notes 228,291 89 

Banking house and lot, book value, $1,196,057.43; cost, $1,- 

196,057.43; actual cash value 1, 196,067 43 

Other real estate, book value, $43,293.09; cost, $43,293.09; 

actual cash value 43.293 09 

Csiak on deposit in banks or trust companies 4,842,819 31 

Cash on hand 218, 861 36 

Total of collectible interest 720,919 69 

Amount of all other assets, viz. : Rent accrued 1 , 868 82 



$64,139,520 09 

LIABILITIES 

Amount due depositors, viz.: 

Principal $69,230,724 92 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 1.102,710 85 

$60,333,435 77 

Surplus on market value 3,806,084 32 

$64,139,520 09 



Surplus on par value, $6,181,736.82. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day 5,515,051 19 

From depoeitors, not including dividenjds credited 14, 195,430 93 

From interest on loans, deposits and investments 2,746.318 25 

From rents from banking house 60,506 93 

From rents from other real estate 477 50 

From mortgages 1, 185, 805 00 

From redemption of stocks and bonds 871, 199 98 

From stocks and bonds sold (total par value, $24,640.28) 24,640 28 

From loans paid 212, 380 00 

From real estate sold 10.296 23 



Ebie County 93 

From all other sources, viz.: 

Settlement of fire lose iMuik building $232 00 

Profit sale of real estate 329 71 

U. S, Tliiift Stamps sold 1,695 OO 

Bale of old material 219 13 

12,475 84 



$24,826,182 13 



PAYMENTS 

To depoeitorB, inicludiii^ dividends paid to them $14,804,306 88 

For loans on bonds and mortgages 1 , 163 ,275 00 

For loans on stocks and bonds and other securities 111,438 40 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $3,439,640.28) 3,439,640 28 

For interest (other than dividend payments to depositors) . . 11,054 23 

For current expenses of the bank, viz.: 

FWr salaries $89,348 27 

For taxes: Banking boose, |87,06&G8; surplus, 

128,244.78 56,318 30 

For expenses, except taxes, of banking house : 

Repairs 10,839 47 

Insurance 8,978 06 

Other 80,316 21 

For expenses of other real estate, vis. : 

Repslrs 44 36 

IttBurance 276 64 

Taxes 1,096 66 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 31,147 66 

221,795 44 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 10,296 23 

Othsr payments, viz. : U. S. Thrift Stamps 1, 695 00 

Cash (m hand and in banks or trust companies December 31, 

1918, after transactions of the day 5, 061 ,680 67 

$24,825,182 13 

S'TATISTICAL INFORMATION 

Number of open accounts January 1, 1919 93,427 

Number of accounts opened or reopened during the year 12,033 

Number of accounts closed during the year 12, 835 

Amount deposited during the year, not including dividends 

eredited for that period $14,195,430 93 

Amount withdrawn during the year 14, 804, 306 88 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 11,099.614 62 

January 1, 1S19 1,102,710 86 

Credited at other periods 1,777 45 

2,204,102 82 

Avemge amount of each account January 1, 1919 045 78 

Bate per cent, of dividends to depositors during the six 

months ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six 

months ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $2. 803,280 04 

Total expenses of the bank for the year 1919 221, 795 44 

Dividends paid to depositors for the year 1918 2,204, 102 82 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 377,382 68 



94 Report on Savings Banks 

80. THE WESTERN SAVINGS BANK, BUFFALO 

[438 Main street; Incorporated U51] 

ALBERT J. WHEBT^R, President. HOWARD H. BAKER. Vice-President. 

HENRY EBB, Vice-President FRANKLIN W. H. BECKER, Treas. 

TRUSTEES 

HENRY ERB. HENRY E. ROLLER, CHAS. H. DONALDSON. 

ALBERT J. WHEELER, LESLIE J. BENNETT, EDW. E. COATSWORTH, 

HOWARD H. BAKER, F. W. H. BECKER. GEO. D. MONTGOMERY. 

CHARLES DIEBOLD. JB., LEWIS J. HEINTZ, GROVBR W. WBNDB, 

EDWARD A. EISELB, HENRY R. HOFFBLD. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $5 ,545, 375 00 

Stock and bond investments, viz.: 

Par Original Estimated 

StockB and hands value cost market vnlue 

United States $1,122,30000 |l,109.268fl0 $1,122,90000 

Cities in other State» 500. 000 00 52S, 244 40 492, 000 00 

Cities in this State 1,928,627 08 1,973,626 62 1,929,667 62 

Counties in this State 162,000 00 10G.371 20 159,570 00 

Vmages In tills State 147,968 30 149,664 67 147,158 30 

School distrlctR In this State 101.000 00 101.000 00 98,160 00 

Railroad mortgage bonds. ... 2, 425. 000 00 2, 398, 062 60 2.024. 260 00 



$6,386,885 38 $6,423,137 89 $6,972,995 82 



5,972,995 82 
Banking house and lot, book value, $100,000; cost, $150,000; 

actual cash value 150, 000 00 

Cash on deposit in banks or trust cy>mpanies 927,709 9<( 

Cash on hand 131.679 80 

Total of collectible interest 119,933 22 

Amount of all other assets, viz. : Taxes advanced 1 , 447 48 



$12,849,101 28 

LIABILITIES 

Amount due depositors, viz.: 

Principal $11,862,278 08 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 226. 053 20 

$12,087,331 23 

Surplus on market value 701 , 770 06 

$12,849,101 28 



Surplus on par value, $1,175,659.01. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

CaAlk on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 ,082,263 85 

From depositors, not including dividends credited 3, 167,807 42 

From interest on loans, deposits and investments 565.090 43 

From rents from banking house 4 , 749 04 

From mortgages 390,945 00 

From redemption of stocks and bonds 623,616 60 

From stocks and bonds sold (total par value, $581,200) 581,200 00 



$6,415,672 43 



PAYMENTS 

To depositors, including dividends paid to them $3, 228,201 30 

For loans on bonds and mortgages 208,950 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $1.882,211.41 ) 1 ,863,637 89 

For interest (other than dividend pa^nncnts to depositors) . . 5,631 16 



Ebie County 96 

For current expenses of the bank, viz. : 

For salariee 128,686 66 

For taxes : Banking house, 19,2^6.75 ; Rurplus, |4,754.01 13,980 76 
For expenses, except taxes, of banking house : 

Repairs 860 21 

Insurance 990 00 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house. . 5, 484 G9 

$50,002 32 

Cash on hand and in banks or trust companies December 31, 
1918, after tranaactions of the clay 1,059,340 70 

$6,416,672 43 



STATISTICAL INFORMATION 

Kiimber of open accounts January 1, 1019 15,235 

Number of accounts opened or reopened during the year 2,271 

Number of accounts closed during the year 1 , 989 

Amount deposited during the year, not including dividends 

credited for that period $3, 167,807 42 

Amount withdrawn during the year 3,228,201 30 

Amount of diyidends credited and paid for the year, viz.: 

July 1, 191S $224.60664 

January 1, 1919 225,063 20 

Credited at other periods B, 277 70 

451,937 44 

Average amount of each account January 1, 1019 793 39 

Number of accounts which excoetled $3,0(*)0. exelufiive <>f divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
judicial sales, or trust funds, or by order of a court of 

record or of a surrogate 1 

Total amount of such accounts $3,607 00 

Aate per cent, of dividends to depositors during the ^x months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $575.070 29 

Total expenses of the bank for the year 1918 50,002 32 

Dividends paid to depositors for the year 1918 451,937 44 

Net earnings for tJio year 1918 over expenses and dividends 
paid to depositors 73 , 130 63 



GREENE COUNTY 



81. CATSKILL SAVINGS BANK, CATSKILL 

[843 Main street ; Incorporated 1868] 

W. IBVING JBNNINOS, President. ORBIN DAY. Treasurer. 

BMORY A. CHASBp Vice-President JBRBMIAH DAY, Becretaiy. 

ADDISON P. JONBS, Assistant Secretary. 

THUSTEES 

W. IRVING JENNINGS, BMORY A. CHA8B. GBOROB S. LBWIB. 

JBRBMIAH DAY, JAMBS L. MALCOLM, FRANK H. OSBORN. 

ORRIN DAY, A. C. BLOODGOOD. HOWARD C. SMITH, 

WM. PALMATIBR. ADDISON P. JONES. WILLIAM J. HUGHIJg. 

CHARLES B. BASSBTT. WM. H. VAN ORDBN. J. CLARK SALISBURY. 

FINANCIAL 

RE80URCBS 

Bonds and mortgages $1, 134,394 89 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and honds value cost market value 

United States $610,634 00 1606.696 85 1610.634 00 

State of New York 46,000 00 46.866 26 46.460 00 

State of California 26.000 00 23.600 00 23.500 00 

State of South Dakota 18.000 00 18.000 00 18,000 00 

State of Wyoming 25.000 00 34.662 60 26,240 00 

Cities in other States 712,000 00 743,320 81 697.040 00 

Cities in this State 424,080 00 436.794 89 408,640 60 

Counties in this State 20.000 00 22,443 47 19.800 00 

Towns in this State 36,00000 36,370 60 36.324 00 

Villages in this State 83,000 00 88.62150 81.200 00 

School districts in this State 63,620 00 68.88190 63.967 22 

Railroad mortgage bonds.... 494,000 00 616,947 11 480,880 00 

12, 556, 334 00 $2, 642, 894 18 $2. 461, 626 82 



2,461,625 82 
Banking house and lot, book value, $40,000; cost, $54,512.27; 

actusd cash value 40,000 00 

Other real estate, book value, $1,263.38; cost, $1,263.38; actual 

cash value 1 , 263 S8 

Cash on deposit in banks or trust companies 177,475 78 

Gash on hand 40, 151 86 

Total of collectible interest 54,388 24 



$3,909,299 97 



LIABILITIES 

Amount due depositors, viz.: 

Principal $3,498,741 24 

Dividends credited or to be credited for the six 
months ending with December 31, 1916 66, 440 61 

$3,565,181 76 

Other liabilities, viz. : Liberty Bond depos'its 7,571 00 

Surplus on market value 336, 547 22 



$3,909,299 97 



Surplus on par value, $430,255.40. 

CASH TR.\NSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $291 ,434 72 

From depositors, not including dividends credited 856,675 55 

From interest on loans, deposits and investments 159,234 91 

From rents from other real estate 79 20 

Fiom mortgages 185,675 00 

From redemption of stocks and bonds 555,330 00 

[96] 



Jefferson County 99 

From stocks and bonds sold (total par value, $260,238.75) ,$260,238 75 

From real estate sold 127, 393 92 

From all other sources, viz.: 

Insurance premiums and taxes advanced, refunded ; . 

appraisal fees, cash over |2,629 66 

U. S. War Savings and Thrift Stamps sold ; interest 

accrued on bonds 11,629 13 

Received on real estate contract ; rent •* Other real 

estate" 1.330 OO 

Surplus in foreclosure action 2,9S5 44 

Liberty Bocd payments by subscribers 131, 609 02 

150,183 25 

$4,475,585 72 

PAYMENTS 

To dipositors, including dividends paid to them $2,066,169 77 

For loans on bonds and mortgages 267 ,573 51 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total parvalue, $1,210,628.75) 1, 198,074 95 

For interest (other than dividend payments to depositors) ... 8,149 51 

For cturrent expenses of the bank, viz.: 

For salaries $23,098 50 

For taxes : Banking hoiiRe, $4,643.31 ; surplus, 

$3,333.80; on mortgages, $60.00 8,037 11 

For expenses, except taxefi, of banking house : 

Repairs 571 72 

Insurance 657 78 

Other 1,586 31 

For rent of banking rooms 900 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house 6. 387 25 

41,138 67 

Other payments, viz.: 

Account Bank building $100,000 00 

U. 8, War Savings and Thrift Stamps 11,600 63 

Liberty Bond account 125, 372 50 

Insurance premiums and taxes advanced ; Rent re- 
funded on building sold; Appraisal fees 2,486 67 

Cost foreclosure actions; sundries 2,723 08 

242,182 88 

Cnsh on hand and in banlcs or trust companies December 31, 

1918, after transactions of the day 652. 296 43 

$4,475,585 72 



STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 28, 878 

Xumber of (accounts opened or reopened during the year. . . . 1,758 

Xmnber of accounts closed during the year 2,812 

Amount deposited during the year, not including dividends 

credited for that period .' $2, 061 , 302 73 

Amount withdrawn during the y^ar 2,066, 169 77 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 $181,159 52 

January 1, 1919 183, 380 53 

Credited at other periods 218 45 

364.758 60 

Average amount of each account January 1, 1919 341 41 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 . .• 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discoimts $456.. 154 92 

Total expenses of the hank for the year 1918 41 ^ 138 67 

nividends paid to depositors for the" year 1918 364,758 50 

^'ct earnings for the year 1918 over expenses and dividends 

paid to depositors 50. 457 75 



100 Report o^r Savings BxVNKs 

33. WATERTOWN SAVINGS BANK, WATSRXOWN 

[125 Washington street; incorporated 1893] 

ISAAC L. HUNT, President. HARVEY W. STEELE, Treasurer. 

SILAS L. GEORGE, Vice-President. 

TRUSTEES 

JOHN R. KILBORN, HAROLD W. CONDE, ISAAC L. HUNT. 

JOHN R. PAWLING, H. P. DUNLAP. ANTONIO F. MILLS, 

WILLIAM E. SILL, CHARLES D. BINGHAM, IRA SHARP, 

SILAS L. GEORGE, GEORGE H. BURNS. ADAM BICKELHAUPT. 

H. W. STEELE^ FRANK S. Tlf^DALK. ELI B. JOHNSON, 

HERBERT E. HARMON, ALBERT \V. OATMAN, KARL GEORGE. 

FINANCIAL 
RDSOURCES 

Bonds and mortgages $2 . 072. 152 (K) 

Stock and bond investments, viz.: 

Par Original Ef^tlmated 

Stocks and bonds value cost market value 

United States $158,r/)00 $158,150 On $158.150 00 

State of Louisiana 25,000 00 24.M3 OO 26,300 00 

State of South Dakota 4.000 03 4.000 00 4.000 00 

Cities in otlier States 359.500 00 373,315 IG 362,295 00 

Cities in tliis State 2S5.213 60 291.r»06 05 290,740 27 

Counties in tliis State 96.000 00 9r.691 80 94,005 00 

Towns in this State 30, .'>0») 00 30, 7 J5 00 30, 487 00 

Villapes in this State 3G3, 595 00 3RS. 521 96 2^1. 159 32 

School districts In this State lOS, 700 00 110. 521 45 108. 868 00 

Railroad mortgage bonds.... 370.000 00 271,003 50 322.300 00 



$1, 800. 658 60 $1. 829, 547 92 $1. "57, 304 59 



1,757,304 59 

Promissory notes 4 , 570 00 

Cash on deposit in banks or trii..t companies 310. 162 00 

Cash on hand 27 ,546 06 

Total of collectible interest ZdA27 99 



$4,200.6()3 44 



LIABILITIES 

Amount due depositors, viz.: 

Principal 13.905.263 04 

Dividends credited or to be credited for tJie six 
months ending with December 31, 1918 75.^40 50 



3.9SO.f>03 64 



Other liabilities, viz.: Liberty Bond deposits 3,803 25 

Surplus on market value 210.006 65 

$4.200. Rr>3 44 



Surplus on par value, $259,450.66. 

CASH TRANSACTIONS DURING THK YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 1918, 

before transactions of the day ' $429,702 78 

From depositors, not including 'dividends oi-edited 693.206 54 

From interest on loans, deposits and investments 190, 126 68 

From mortgages 1 27 . 556 00 

From redemption of stocks and bonds 181 .175 18 

From stocks and bonds sold (total par value. $78.800) 78.513 00 

From all other sources, viz.: Liberty Bond payments by sub- 
scribers ^5. 105 25 

$1,721,247 53 



Jefferson County 101 

i'atoents 

To depositors, inehiding dividends paid to them $814, 712 86 

For loans on bonds and mortgages. 171 ,"250 00 

For loans on stocks and bonds and other securities 4,570 00 

For stocks and bonds purchased, including preminma, commis- 
sions, etc., (total par value, $359,&25) 360,515 06 

For interest (other than dividend payments to depositors) .... 1,335 29 

For current expenses of the bank, viz.: 

For salaries $11,952 00 

For taxes: Surplus, $1,882.91; on mortgages, $206.00.. 2,08S 91 

Per rent of banking rooms 1,500 00 

For other expenses!, not including expenses of other 
real estate nor other expenses of banking house. . 4, 282 25 

19,823 16 

Other payments, viz.: Liberty Bond, fourth lonn aorount. . . . ll,oU2 00 

Cahh on hand and in banks or tnist companies December 31, 
1918, after transactions of the day 337,708 9« 

$1,721,247 33 



STATISTICAL INFOItMATION 

Nnmber of open accoimts January 1, 1919 8.901 

Number of accounts opened or reopened during the year 791 

Number of accounts closed during the year 1 ,273 

Amount deposited during the year, not including dividends 

credited for that period 693,206 54 

Amount withdrawn daring the year 814 , 712 86 

Amount of dividends credited and paid for the year, viz. : 

July 1. 1918 $75,«32 25 

January 1, 191S 75,640 50 

151,272 75 

Average amount of each account January 1,1919 447 24 

Rate per cent, of dividends to depositors during the six montlis 

endmg June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts ^^lO.'^.oSo 79 

Total expenses of the bank for the year 1918 19,823 16 

Dividends paid to depositors for the year 1918 151,272 75 

Ket earnings for the year 1918 over expenses and dividends 
paid to depositors 22 ,4S9 88 



KINGS COUNTY 



34. BAY RIDGE SAVINGS BANK, BROOKLYN 

[5323 Fifth avenue; incorporated 1909] 

MAURICE T. LEWIS. President. JOHN D. HOLSTEN, Treasurer. 

MICHAEL MURPHY. Vice-President. PIERCE KEBFE, Secretary. 

WM. A. FISCHER, Vice-President. ROBERT S. DARBEE. Cashier. 

TRUSTEES 

MAURICE T. LEWIS, JUSTUS BERGE, HENRY KETTELHODT. 

MICHAEL MURPHY. HENRY MEYER. OLAF OI-AFSON, 

JOHN D. HOLSTEN, HENRY SCHWANEWEDE, WILLIAM A. FISCHER, 

PIERCE KEBFE, WM. E. KAY, ROBERT «. DARBEE, 

GEORGE IHNKEN, PETER N. MEINCKE. WILLIAM J. WARD, 

FINANCIAL 

RESOURCES 

Bonds and mortgfages $1,493, 100 00 

Stock and bond investment, viz. : 

Par Original Estimated 

Stocks and bonds value cost market value 

United States $441.000 00 1441.000 00 1441.000 00 

Cities in other States 62,000 00 63.856 47 62.150 00 

Cities in this State 62.000 00 67,499 40 63,230 00 

Towns in this State 6,000 00 6,136 46 6,100 00 

Villages in this State 70.880 74 71,2CT 72 71,987 11 

Scnool districts in this State 11.000 00 11.342 91 11,282 60 

Railroad mortgage bonds.... 146.000 00 136.798 75 134,160 00 

1796,880 74 $786,890 71 $783,889 61 



783,889 61 

Promissory notes 250 00 

Other real estate, book value, $16,634.87; cost, $16,634.87; 

actual cash value 16, 634 87 

Cash on deposit in banks or trust companies 334,495 12 

Cash on hand 29. 383 44 

Total of collectible interest 15,486 24 

Amount of all other assets, viz.: 

Furniture and fixtures $6.000 00 

Liberty Bond coupon stamps 7,767 00 

13,767 00 



$2,687,006 28 



LIABILITIES 
Amount due depositors, viz.: 

Prtncipal $2,622,756 94 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 86, 164 13 



$2,558,920 07 

Other liabilities, viz.: Liberty Bond deposits 76. 769 50 

Surplus on market value 61 ,316 71 



$2,687,006 28 



Surplus on par value, $64,307.84. 



CASH TRANS ACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 1918, 

before transactions of the day $214,009 64 

From depositors, not including dividends credited 2,404,516 88 

From interest on loans, deposits and investments 91,083 77 

[102] 



Kings Couxty 103 

From mortgages $10. 900 00 

From redemption of stocks tjkd bonds 190, 333 33 

From stocks and bcmds sold (total par value, $256,050 255,700 25 

From all other sources, viz.: 

Liberty Bond payments by subscribers $274. 779 00 

Liberty Bond partial payment coupon stamps sold. .. . 175,433 00 

Cash over 414 72 

450,626 72 



$3,617,176 49 



PAYMENTS 

To depositors, includinff dividends paid to them $1,348,475 81 

For loans on bonds and mortgages 613,900 00 

For loans on stocks and bonds and other securities 250 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $&2S,000) 622, 317 98 

For interest (other than dividend payments to depositors) .. 2,315 05 

For current expenses of the bank, viz. : 

For salaries $3,46000 

For taxes: Saiplas 847 90 

For rent of banlcing rooms 2, 100 00 

For expenses of other real estate, vis. : Taxes 676 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house. . 4, 960 51 

12,834 41 

Other payments, viz.: 

Liberty Bonds purchased for customers $660.600 00 

Liberty Bond coupon stamps 189.200 00 

Refunded Liberty Bond subscriptions 3. 496 50 

Fumitureand fixtures; cash short 6,007 28 

753,203 78 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 363, 878 56 

$3,617,176 40 



STATISTICAL INFOR^LA^TION 

Number of open accounts January 1, 1919 10, 166 

Number of accounts opened or reopened during the year 5,290 

Number of accounts closed during the year 2,571 

Amount deposited during the year, not including dividends 

credited for that period $2,404,616 88 

Amount withdrawn during the year 1 , 348,475 81 

Amount of dividends credited and paid for the year, viz. : 

July 1. 1918 $27,689 66 

January 1. 1919 36,164 13 

63,693 68 

Average amount of each account January 1, 1919 248 15 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' ledgers, 
except deposits arising from society accounts, or judicial 
sales, or trust funds, or by order of a court of record or of 

a surrogate 4 

Total amount of such accounts $14, 135 76 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $96. 387 66 

Total expenses of the bank for the year 1918 12,841 69 

Dividends paid to depositors for the year 1918 63,693 68 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 19. So2 29 



Kefobt on Savings Banks 



HOWARD M. SMITH, Preildenl WALTER C. HDMSTOPfE. TrMiarcr. 

EDWABD LYONS. VlwPrMldent. RAYMOND LOCNSBBBY. I " 

GKANTILLE W. BASMAN, Vice-Fmidcnt. 



ALFRED T. I.KWARD. 

RAYMOND LOUNSB "" 

EDWARD LYONS, 



john'd. sOllivan. ' 
th08. j. washbcbn, 



JOHN H. BURROUGHS, 
ERNEST H. PII^BIRY, 
HENRY C. LA ROWB. 
JOHN R. STINB, 
CLABKNCK B. SMITH. 
J. I* CHILDS. 



. (3.110,175 0» 



United StHtes (Bin.SGOOO 

State o( New York SO.dOfl 00 



State of Maryland 

State or New Mexico. 
State of Oklahoma... 
State of Tennessee... 



In tun State 

Towns in this State 

VlllBReB In this Stale 

Brhool dtslrUla In tills St»t« 
Railroad iDortgage bond? 






t3,lfi7,e39 40 S3.M5.SZ2 60 |3.1» 

Banking house and lot, book value, $55,000; cost, $5 
actual cRRh value 

Other real estate, book value, S17.000; cust, *18,2a7,53; 
cash value 

Cl«h on deposit in banks or tmi^t rompanies 

Cash on hand 

Total of collectible inlen rt 



3,126.111 10: 



17.000 OO 
406,031 C5 
31,370 S7 
67,707 43 



LIABILITIES 
Amonnt flue deponton, vii.: 

I'rlnrlpnl W.3:<.U( M 

Divfdenda eredlted or to Iw rredited for tiie six 
months ending with Detember 31, 19IE lll.SSS Ej 



- *0, 436. 4.1(5 21 
40..3.1S 00 
337..1OI TO- 

J*fi.SI4.3Sr) fli 



Surplus on par value, 2360,179.04 

CASH TBANSACTIONS DLRIN'G TIJE YEAR lit|9 
RECEIPTS 
Cft«h <m hand and in banks or trust ootupaDies Jouusry 1. 
I&IB, before transactions of the d&y 



9614,144 64 
! ,602.340 IT 
286, P76 71 



Kings Couxtt 105 

?rom rent from banking house $1 , 800 00^ 

Fmm mortgages 46 , 050 00 

Frc«D redemption of stocks and bonds 8,200 00 

From stocks «&d bonds sold (total par value, $1,676,150) 1,671* 150 00 

From loans paid 1 . 500 00 

From real estate sold 5 , 500 00 



$5,239,670 52 



To depositors, including dividends paid to them $2, 214 , 134 97 

For loans on bonds and mortgages 340 ,050 00 

f'>r loons on stocks and bonds and other securities 1 .500 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $2,086,900) 2, 178, 338 43 

For interest (other than dividend payments to depositors) . . 3,227 72 

Tor current expenses of the bank, viz. : 

For salaries $16.196 17 

For taxes : Banking honse, $1,174.08 ; surplus, 13.555.78 3.729 78 

For expenses, except taxes, of iNiiiking honse : 

Repairs 22198 

Insurance 133 83 

For expenses of other real estate, viz. : 

Repairs 9 06 

Insurance 33 00 

Taxes 343 00 

For other expoises, not indudlag expenses of other 
real estate nor other expenses of banking house.. 3.38^1 57 

at, 351 36 

For real estate acquired by foreclosure, or in settlement of 
dfibU due the bank 8. 022 01 

Other payments, viz.: 

Liberty Bond account |22. .502 00 

Paynent check with forged endorsement 241 G9 



22.743 09 

Cash on hand and in banks or trust companies Deceml)er 31, 
inis. after transactions of the day 4.*^<S,.'?<>2 .32 

$.5,239,670 62 



STATISTICAL INFORMATION 

Xumber of open accounts Jaaiuary 1, 1919 18, 284 

N'naiber of accounts opened or reopened during the year ,'^, 509 

Xumber of accounts closed during the year 2 , 86 J 

Amount deposited during the year, not including dividends 

credited for that period $2,602., '149 17 

Amflont withdrawn during the year 2,214, 134 97 

Amount of dividends credited and paid for the year, viz.: 

Jnly 1, 19tt |108.f98 03 

Jaooary 1, 1919 111,86;^ 25 

220,. 557 33 

Average amount of each account January 1, 1919 352 03 

lUte per cent, of dividends to depositors during the six months 

ending Jime 30, 1918 4 

Hate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

"Total earnings of the bank for the year 1918. after allowing for 

amortization of premiums and discoamta ?2S7, 158 47 

Total expenses of the bank for the year 1918 24,351 38 

Dividends paid to depositors for the year 1918 220, 557 38 

5fft earnings for the year 1918 over expenses and dividends 

paid to depositors 42. 249 76 



106 



Report ox Savings Banks 



36. BROOKLYN SAVINGS BANK, BROOKLYN 

[141 Plerrepont street ; Incorporated 18271 



CROWELIi HADDEN, President. 
DANIEL J. CREBM, Vice-President. 
RICHARD L. EDWARDS. Vice-Pres. 



LAURU8 B. SUTTON, Comptroller. 

ARTHUR C. HARE. Cashier. 

CHAS. C. PUTNAM. Asst Comptroller. 



CROWELL HADDEN, 
RICHARD U EDWARDS, 
EDW. H. LITCHFIELD, 
FRANK LYMAN, 
DAVID G. LEGGBT. 
SCOTT Mc LAWAHAN, 
JOHN F. HALSTED, 
FRANK I. BABBOTT, 
HENRY F. NOYES, 



TRUSTEES 

SANFORD H. STEELE, 
DANIEL J. CREEM. 
CLINTON R. JAMES. 
B. HERBERT SMITH, 
FRANCIS L. NOBLE, 
F. A. M. BURRELL. 
EDWIN P. MAYNARD. 
WILLIAM L. MOFFAT, 



FINANCIAL 
RESOURCES 



HAROLD I. PRATT, 
CHARLES J. PBABODY, 
MARTIN JOOST, 
ALBERT L. MASON, 
FRANK D. TUTTLE, 
WILLIAM MASON. 
CHARLES L. MORSE. 
S. EDWIN BUCHANAN. 
JAMES H. JOURDAN. 



Bonds and mortgages $33,408,500 00 

Stock and bond investments, viz.: 



Par 
Stocks and bonds value 

United States 13,346,460 00 

State of California 400.000 00 

State of Maryland 200.000 00 

State of Massachusetts 875. 000 00 

State of Tennessee 300,000 00 

Cities in other States 6.443.000 00 

Cities in this State 7,482,942 60 

Counties in this State 714. 000 00 

Towns in this State 68,000 00 

Railroad mortgage bonds .... 8, 972, 000 00 



Original 

cost 

13,331.460 00 

388.481 88 

196,680 00 

940,06128 

300,819 37 

6.688,267 61 

7,746,766 08 

742,106 29 

68.277 60 

9,236,627 70 



Estimated 
market value 

13,346.450 00 
381.000 00 
198,000 00 
787,600 00 
299,050 00 

5,096.840 00 

7,418,465 14 

729,580 00 

06,980 00 

7.849.650 00 



427,000 00 



127.801,392 60 928,539,667 71 $26,172,606 14 

«— — •=— - «=— 26,172,505 14 
Banking house and lot, book value, $427,000; cost, $893,047.87; 

actual cash value , 

Other real estate, book value, $23,000; cost, $23,000; actual 

cash value 23,000 00 

Cash on deposit in banks or trust compaliies 4,248, 020 28 

Cash on hand 123,356 49 

Total of collectible interest 847,328 07 



$65,250,609 98 



LIABILITIES 
Amount due depositors, viz.: 

Principal $67,816.660 30 

Dividends credited or to be credited for the six 
montns ending with December 31, 1918 1, 101. 631 28 



$58,917,281 58 

Other liabilities, viz. : Liberty Bond deposits 329,070 29 

Surplus on market value 6, 004 .258 11 

$65,2-)0.609 98 



Surplus on par value, $7,633,145.47 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $4,481,885 48 

From depositors, not including dividends credited 11,963,551 98 

From interest on loans, deposits and investments 2,869,406 90 

From rents from other real estate 8,065 79 

From mortgages 420, 483 33 



Kings County 107 

From redemption of .stocks and bonds $2, 803, 307 50 

From stocks and bonds sold (total par value, $3,011,700) 2,061, 4(;(t 00 

From real estate sold oa4,r.( 00 

From all other sources, viz.: 

losnrance premium advanced, refunded $12 46 

Adjustment insurance premium on property sold.... 301 23 

Liberty Bond payments by subscribers 862,994 79 

Adjustment Liberty Bond account 1, G47 20 

864,955 70 

$26,937,416 68 

PAYMENTS 

To depositors, including dividends paid to them $14,003,037 18 

For loans on bonds and mortgages 1,513, 000 00 

For stocks and bonds purchased, including premiums, commis- 

sioos, etc. (total par value, $6,817,000) 6,795,111 23 

Fnmi interest) (other than dividend payments to depositors) . . 15,853 65 

For current expenses of the bank, viz.: 

For salaries 194,848 8S 

For taxes : Banking house, |14,400 ; surplus, 
154,465.76 68,805 76 

For expenses, except taxes, of banlcing house : 

Repairs 7,215 33 

Insurance 702 47 

Other 2,478 90 

For expenses of other real estate, vis. : 

Repairs 134 87 

Insurance 13 00 

Taxes 20,125 66 

Other 8,896 37 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house. . 24, 222 77 

227,504 01 

Other payments, viz.: 

Refunds to Liberty Bond subscribers $10,374 50 

Teller's cash short 259 34 

• 10.633 S4 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 4.r,7J.i:7 '. 77 

$26,937,410 6S 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 72 . 541 

Number of accounts opened or reopened during the year 9,242 

Xomber of accounts closed during the year 9, 579 

Amount deposited during the year, not including dividends 

credited for that period $11,903,551 98 

Amount withdrawn during the year 14,003, 037 18 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 11,107,982 87 

January 1. 1919 1,101,631 28 

2,209,614 15 

Average amount of each account January 1, 1919 812 00 

Kate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total eaminf^ of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $2,870,671 12 

Total expenses of the bank for the year 1918 269, 836 96 

Dividends paid to depositors for the year 1918 2,209,614 15 

Xet earnings for the year 1918 over expenses* and dividends 

paid to depositors .?01 . 220 01 



lOS 



Report ox Savings Banks 



37. THE BUSHWICE SAVINGS BANK, BROOKLYN 

[726-730 Grand street; incorporated 1873] 

JERE E. BROWN. President. LOUIS G. BURGER, Secretary. 

GEO. W. SCUAEDLE, Vice-President. GEORGE J. MERKED, Cashier. 

IIBNRY SCHADE. Vice-President. 



JERE E. BROWN, 
RUFUS L. «COTT, 
DANIEL. CANTY, 
EDWARD BUSH. 
HENRY SCHADE. 
JOHN H. SCHEIDT. 
WILLIAM G. MILLER, 
AUGUSTUS P. AVERY, 



TRUSTEES 
JOHN H. VANDERVEBR, 
M. L. REYNOLDS, 
P. H. NARWOOD. 
LOUIS G. BURGER. 
GEORGE W. SCHAEDLE, 
ANDREW WILSON, 
MICHAEL FACKENTHAL, 

FINANCIAL 
RESOURCES 



HERMAN C. HUBLLB, 
THEOPHILR THONKT. 
CHRISTIAN D.HOMEYBB, 
DAVID H. MOORE, 
FRANK L. BROWN. 
C. H. TIEBOUT. JR., 
SMITH S. WANDEL. 
GEORGE K. MERKED. 



Bonds and mortgages 

Stock and bond myestments^ viz. : 

Far 

8tock9 and bon49 value 

United States 1493,000 00 



$3,600,520 DO 



State of Alabama 

State of California 

State of Idaho 

State of Louisiana 

State of Mississippi 

State of New Mexico 

State of Oklahoma 

State of Tennessee 

Cities in other States 

Counties, villages and towns 

in adjoining States 

Cities in this State 1,051,706 77 

Counties in this State 125,640 00 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds — 



3.600 00 
75,000 00 
76,000 00 
60,000 00 
24.000 00 
50.000 00 
70,000 00 
75,000 00 
546,375 00 

25,000 00 



42,500 00 

76,674 96 

54, 600 00 

473,800 00 



Original 
cost 

1491,120 00 
3,697 40 

72.731 28 
77.280 00 
49,313 80 
25.032 00 
60,596 45 

69.732 74 
79,321 84 

668,656 85 

25,359 77 

1,077,480 69 

130,248 37 

44.296 82 

81.163 18 

58,502 45 

457,882 00 



Estimated 
market value 

^493,000 OD 
3,482 60 
72.200 00 
75,000 0*) 
51.000 00 
24,000 00 
49,500 0>} 
68,500 00 
77,250 00 
644,649 48 

26,000 00 

1,(H8.295 70 

127,499 20 

43.330 00 

76,546 OA 

57,330 00 

422.088 0*) 



$3,311,796 73 |3.362,385 G4 $3,238.469 90 



Promissory notes 

Banking house and lot, book value, .$32,000; cobt, $48,215.70; 

actual cash value 

Other real estate, book value, $6,314.64; cost, $6,314.64; actual 

cash value 

Cash on de]>o8it in banks or trust companies 

Cash on hand 

Total of collectible interest 



3,258,469 96 
31,257 50 

32,000 DO 

6,314 64 

545,935 29 

220,140 51 

65,665 90 



LTABILITTES 

Amount due depositors, viz.: 

Principal $7,113,150 69 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 130,828 56 



$7,820,303 80 



Other liabilities, viz.: Reserve for taxes 
Surplus on market value 



$7,243,979 25 

3,140 00 

579,184 56 

$7,826,303 60 

Surplus on par value, $632,511.32 '■ 

CASH TRANSACTIONS DURING THE YEAR 1918 

RJECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before traiiJ8action« of the day * . . . $647,824 16 

From depositors, not including dividends credited 2,043,663 35 

From interest on loans, deposits and investments 354.871 01 

From renta from banking house 2 . 312 00 

From rents from other real estate 10. 75^5 77 

From mortgages 90,450 00 



Kings County 109 

From redemption of stocks aiid bonds $G87, 838 51 

From stocks and bonds sold (total par value, $22,900) 1J2.9(»0 00 

From loans paid ^^* 2P7 50 

From real estate sold 78,293 (53 

From all other sources, viz.: 

Profit, sale of real estate and bonds $7C8 CI 

Interest from participated mortgage 90 15 

858 16 



$4,025,094 10 
PAYMENTS 

To depositors, including dividends paid to them $1 ,934,953 72 

For loans on bonds and mortgages 234,491 06 

For loans on stocks and bonds and other securities 55 , 295 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $986,050) 984,438 86 

For interest (other than dividend payments to depositors) ... 2,972 17 

For current expenses of the bank, viz.: 

For salaries |17,63f; 67 

For taxes: Bankin;: house, $1,125.77; aurpluj», $5,141.00 6,265 77 

For expenses, except taxes, of banking house : 

Repairs 441 79 

iDsurance IB*) 83 

Other 3.52076 

For expenses of other real estate, viz. : 

Repairs 2,800 95 

Insurance 445 98 

Taxes 2,725 79 

Other 4,943 Oi 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 7,578 66 

46,517 24 

Other payments, viz.: Loss, snJe of real estate; loss, sale of 

bonds ' GjO 25 

Cash on hand and in banks or trtist companies December 31, 
1918, after transactions of the day 766, 075 80 

$4,025,004 10 
STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 lC),5oO 

Number of accounts opened or reopened during the year 2.487 

Number of accounts closed during the year * 2, 183 

Amount deposited diiring the year, not including dividends 

credited for that period $2 , 043 . 663 36 

Amount withdrawn during the year 1 , 004,9.3;) 72 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 $129, inn 53 

Jannary 1, 1919 130,828 56 

259,982 09 

Average amount of each account January 1, 1919 4;iS 23 

Xmnber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accounts, or 

jucUcial sales, or trust funds, or by order of court of record 

or of a surrogate 1 

Total amount of such accounts $3, 125 03 

Rate per cent, of dividends to depositors during the six montlis 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for anjortizaticn of premiums and discounts $",02,60,5 42 

Total expense! of the bank for the year 1918 48, 007 49 

DiFidoids paid to depositors for the year 1918 259,982 09 

Xet earnings for the year 1918 over expenses and dividends 

paid to depositors 54 , 615 84 



110 Report on Savings Banks 

88. THE CITY SAVINGS BANK OF BROOKLYN, BROOKLYN 

[Corner Lafayette and Flatbush aTennea; Incorporated 1886] 

REMSEN RUSHMORB, President. STEPHEN VALENTINE, Treasurer. 

THEOPHILUS OLENA, Vice-President HENRY V. RAYMOND, Secretary. 

FREDK H. WTIBSTER, Vice-President. 

TRUSTEES 

FRANCIS O. APFELD, H. V. RAYMOND, FRANK C. SWAN. 

FRANK M. SMITH, J. B. SUMMERFIELD, RALPH E. DAYTON, 

DAVID F. BUTCHER, FRED'K H. WEBSTER, BARTHOL. A. GREENE, 

JACOB G. DETTMER, EDWIN H. SAYRE, CLARENCE T. CORBY. 

THEOPHILUS OLENA, BUFUS T. GRIGGS, STEPHEN VALENTINE, 

REMSEN RUSHMORB, JAMES Q. SHAW, LESTER A. LEWIS, 

JOHN M. RIDER, B. W. CONE. 

FINANCIA'L 

RESOURCES 

Bonds and mortgages $2,994,995 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and honda value cost market valne 

United States $1,038, 750 00 $1, 030,932 50 $1.038, 750 00 

State of California 43,000 00 41,970 09 40,870 00 

State of Delaware 20,000 00 21,050 00 19,800 00 

State of Louisiana 50, 000 00 57, 730 79 51, 500 00 

State of Massachusetts 3,000 00 3,087 00 2.430 00 

State of Tennessee 45, 000 00 48. 046 11 48, 150 00 

Cities in other States , 327. 000 00 351. 446 95 332, 085 00 

Cities in this State 283. 437 00 298. 957 81 286, 869 81 

Counties in this State 49, 033 00 50, 358 54 49. 632 67 

Towns In this State 113, 800 00 122, 619 83 117, 771 00 

Villages in this State 123, 973 66 126, 584 47 124, 887 66 

School districts in this State 27,000 00 27,804 32 27,285 00 

Railroad mortgage bonds 364,469 60 335,939 94 316,573 39 

12. 488. 463 26 $2, 516, 527 35 $2, 466, 604 63 



2,456,604 63 

Other real estate, book value, $16,576.64; cost, $16,676.64; 

actual cash value 16t 676 64 

Cash on deposit in banks or trust companies 488,638 16 

Cash on hand ai,610 06 

Total of collectible interest 64,8^6 02 

Amount of all other assets, viz.: 

Furniture and fixtures $6, 500 00 

Insurance premium advanced 5 50 

6,505 50 



LIABILITIES 

Amount due depositors, viz.: 

Prlnripal $5,598,642 62 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 98,693 77 



$6,059,723 91 



$5,697,336 39 



Other liabilities, viz.: 

Liberty Bond deposits $87,595 63 

Reserve for taxes 1, 200 00 

88,795 53 

Surplus on market value 273, 591 99 



Surplus on par value, $305,450.72. 



$6,059,723 91 



CASH TRAXSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 1918, 

before transactions of the day $460, ri74 38 

From depositors, not including dividends credited 2,347 ,920 67 

From interest on loans, deposits and investments 258.441 01 

From rents from other real estate 1 ,453 90 



Kings County 111 

From mortgages $121 , 500 00 

From redemption of stocks and bonds 762. 672 41 

From stocks and bonds sold (total par value, $746,600) 739,171 99 

From real estate sold 30,000 00 

From all other sources, viz.: 

Insurance premiums advanced, refunded |15S 88 

Fees for exchanging and safe-keeping of bonds 209 51 

Liberty Bond payments by subscribers 531,460 55 

531,828 94 



$5,253,563 30 



PAYMENTS 

To depositors, including dividends paid to them $1, 827,001 82 

For loans on bonds and mortgages 304, 100 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $2,080,704.87) 2,052,123 21 

For interest (other than dividend payments to depositors) 4,076 02 

For current expenses of the bank, viz.: 

For salaries $21,199 30 

For taxes: Surplus 2,128 8S 

For expenses, except taxes, of banking house : 

Insurance 81 90 

Other 95 00 

For rent of banking rooms 9, 000 00 

For expenses of other real estate, viz. : 

Repairs 709 56 

Insurance 9 66 

Taxes 1,047 70 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 4,426 99 

38,648 99 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 16,575 64 

Other payments, viz.: 

Insurance^ premiums advanced $164 38 

Furniture and fixtures 6,500 00 

Liberty Bond account 483, 325 02 

489,989 40 

Ca^h on hand and in banks or trust companies December 31, 

1918, after transactions of the day 520, 148 22 



$5,253,563 30 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 12, 766 

Xumber of accounts opened or reopened during the year 3,278 

Xumber of accounts closed during the year 2, 372 

Amount deposited during the year, not including dividends 

credited for that period $2,347, 920 67 

Amount withdrawn during the year 1 , 827 , 001 82 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 $94.186 54 

January 1, 1919 98/6i)3 77 

Credited at other periods SS 37 

19'2,968 68 

Average amount of each account January 1, 1919 446 29 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $265,397 53 

Total expenses of the banks for the year 1918 38, 848 99 

Diridends paid to depositors for the year 1918 192,968 68 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 33,579 86 



112 Rei'out UN Savings Banks 

39. THE DIME SAVINGS BANK OF BROOKLYN, BROOKLYN 

[9 De Kalb avenue; Incoiporated 1859] 
KUSSELL S. WALKER, President PRED'K W. JACKSON, Treasurer. 

GEORGE W. CHAUNCEY, Vlce-Pres. C. FRANK STREIGHTOFF. Secretary:. 
GEORGE T. MOON, Vice-president. PHILIP A. BENSON. Asst. Secretary. 

TRUSTEES 

GEO. W. CHAUNCEY. GEORGE COX, PRED'K W. JACKSON, 

SAMUEL ROWLAND. CHARLES E. TEALE, WALTER HAMMITT. 

HORACE C. DU VAL. GEORGE T. MOON, F. L. CRANFORD, 

LUDWIG NISSBN, FRANK H. PARSONS. ET'GENR W. HUTTON. 

WM. McCARROLL, JAMES L. BRUMLEY, STANLEY P. JADWIN. 

N. TOWNSEND THATi-ER, EDWIN A. AMES. WM. J. WASON. jR. 

EUSSELL S. WALKER, FREDERICK W. EOWE. 

KINANCIA'L 

RESOUBCES 

Bonds and mortgages $33, 887,838 OO 

Stock and bond investments, viz. : 

Par Ori;;inal Estimated 

stocks and bonds value coet market value 

United States 17.358,239 16 $7,358.239 16 $7,358.239 16 

State of Massachusetts 1, 260. 000 00 1. 334, 550 00 1, 082, 500 00 

State of Mississippi 100,000 00 101,602 62 106,000 00 

Cities in ottier States 1,276.000 00 1,325,993 77 1.221.560 00 

Cities in this State 1. 5<18. 800 00 1. 661. 431 63 1. 528, 166 00 

Counties in this State 435,100 00 465,31145 437.008 00 

Towns in this State 397.000 00 405,263 42 397.905 00 

Villages in this State 98,000 00 102.802 37 96,325 00 

Railroad mortgage bonds.... 10,109,968 00 10,445,891 08 9.308,612 48 



$22,593.107 16 $23,201,085 50 $21,536.315 64 



21,536,315 64 

Promiflsory notes 6, 178 00 

Banking house and lot, book value, $558,000; cost, $863,319.04; 

actual cash value 558,000 00 

Other real estate, book value, $350,230; cost, $426,066.26; 

actual cash value 350,230 OO 

Cash on deposit in banks or trust companies 3,591, 103 74 

Cash on hand 214,141 80 

Total of collectible interest • 652,403 59 

Amount of all other assets, viz. : 

Rent accrued $150 00 

Interest due on registered bonds sold 6. 680 00 

$60 ,803., 340 77 
Amount due depositors, viz.: LIABILITIES = 

Principal $54,738.01139 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 998.954 84 

Other liabilities, viz.: $55,736,066 2S 

Liberty Bond deposits $130. 200 70 

Deposits to secure tax arrears, interest, and insur- 
ance 20.118 52 

150,319 2-2 

Surplus on market value 4 , 916 , 055 32 

$60T 803,340" 77 

Surplus on par value. $5,972,846.84. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $3, 953,604 11 

From depositors, not including dividends credited 17,945,998 55 

From interest on loans, deposits and investments 2,796,052 65 

From rents from banking house 3,496 86 

From rents from other real estate 6 , 307 70 

From mortgages 2 , 654 , 972 00 

From redemption of stocks and bonds 2.234,904 71 

From stocks and bonds sold (total par value, $7,665,000) .... 7,717,631 66 

From loans paid 1 . 026 00 

From bankers* acceptances and bills of exchange 199,617 44 

From real estate sold 643,266 09^ 



li^ixcis County 113 

From all other sources, viz. : 

Ubcrty Bond payments by subscribers |921, 089 00 

Siupense, depociitfl accmint bond and mortsM* 

interest, taxes, etc 166, 875 38 

Profit, purchase of bond and mortgage 1, 500 00 

Bxcbange items ; refunds 443 60 

$1,089 ,909 88 

$39,0457776' 64 
PAYMENTS — 

To depositors, iAcluding dividends paid to tbcm $15,552,960 08 

For loans on bonds and mortgages 3, 956, 100 00 

For loans on stocks and bonds and other securities 7 ,203 00 

For banlcers' acceptances and bills of exchange 198,617 44 

For (stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $13,384,693.87) 13,346,227 18 

For interest (other than dividend payments to depositors) 81,402 83 

For current expenses of the banks, viz.: 

For salaries $9C, 290 00 

For taxes : Banking house, 113,940.30 ; surplus:, 

143,994.37 57,934 67 

For expenscH, except taxes, of banking house : 

Repairs 5,03061 

Insurance 560 99 

For expenses of other real estate, viz. : 

Repairs 8.C28 10 

Insurance 29S 39 

Taxes 14,040 53 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 70,344 IS 

253,11>2 47 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 379,467 09 

Other payments, viz. : 

Liberty Bond account, bonds delivered and refunds.. 11,158,074 00 
Soi>pense, payments account bond and mortgnpre 

interest, taxes, etc 172,616 30 

Aci'ovnt of addition to bank building 135, 106 SO 

TMlen' cash short ; sundries li>4 01 

1,465,960 11 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 3.805,245 54 

$39,045,776 64 

STATISTICAL INFORMATION 

dumber of open accounts January 1, 1919' 112,704 

Xmnber of accounts opened or reopened during the year 21,533 

Xufflber of accounts closed during the year 18,298 

Amount deposited during the year, not including dividends 

credited for that period .' $17,945,088 55 

ijnount withdrawn during the year 15,552,360 08 

Amount of dividends credited and paid for the year, viz. : 

Joly 1. 1918 $970,873 10 

Jannry 1, 19» 998,954 8t 

1,969,827 04 

Average amount of each account January 1, 1919 404 54 

Xomber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except dqwsita arising from society accounts, or ju- 
dicial sales, or trust funds, or by order of a court of record 

or of a surrogate 1 

Total amount of such accounts $3 , 381 04 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1018 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $2,712. 986 30 

Total expenses of the bank for the year 1018 253, 192 47 

Dividends paid to depositors for the year 1918 1 ,969, 827 94 

N'et earnings for the year 1918 over expenses and dividends 
paid to depositors 489,965 89 



114 Repokt on Savings Banks 

40. TH£ DIME SAVINGS BANK OF WILLIAMSBURGH, BROOKLYN 

[209 Havemeyer street ; incorporated 1864] 

WILLIAM P. STUR6IS. President C. M. LOWES. Treasurer. 

U. F. MOLLBNHAUBR» Vice-Pres. CHARLE>S R. CRAIO, Asst. Treasurer. 

H. R. FERGUSON, Vice-President. 

TRUSTEES 

WILLIAM P. STURQIS, WARREN F. GOODWIN, CORBBTT MCCARTHY, 

AUGUSTUS WENZBLl JOHN HOERLE, JOHN J. COONBY, 

S. F. MOLLBNHAUER, ALVAH MILLER, WM. H. VOGEL, 

OTTO F. STRUSE. H. R. FERGUSON, RUSSELL J. PERRINE, 

ALEX. D. SEYMOUR, C. C. MOLLENHAUER, D. CLINTON JOHNSON. 

FINANCIAL 
RES0URC£i8 

Bonds and mortgages $7, 8S8,750 00 

Stock and bond investments, viz. : 

Par Original Estimated 

Stocks and honda value cost market value 

United States $400,000 00 1400,000 00 $400.000 00 

Cities in other States 1,054,00000 1,078.95055 1,007,005 00 

Cities In this State 2,128.860 00 2,220,710 47 2,088,598 00 

Counties In this State 225, 000 00 236. 122 28 225. 100 00 

Towns In this State 89.875 00 92,784 35 90.860 00 

VllUges in this State 50.000 00 54,792 66 49,460 00' 

School districts In this State 25.000 00 25.248 25 26.000 00 

Railroad mortgage bonds.... 60,000 00 82,344 00 67.800 00 

$4,027,725 00 $4,190,902 65 $3,954,813 00 



3,954,813 00 

Promissory notes 6,041 86 

Banking bouse and lot, book value, $100,000; cost, $142,786.54; 

actual cash value 100, 000 00 

Other real estate, book value, $6,942.62; cost, $6,942.62; actual 

cash value 6,942 62 

Cash on deposit in banks or trust companies 575,509 68 

Cash on hand 46. 079 28 

Total of collectible interest 89,078 34 

Amount of all other assets, viz. : 

Liberty Bond payments for subscribers $375,940 05 

Advanced for taxes 222 55 



376,162 60 



$13,042,377 38 
UABILITIES 

Amount due depositors, viz.: 

Principal $11,956,942 55 

Dividends credited or to be credited for the six 
months ending witli December 31, 1918 225.100 67 



•$12,182,043 22 



Other liabilities, viz.: Liberty 'Bond deposits 130,684 54 

Surplus on market value 729,649 62 

$13,042,377 38 

Surplus on par value, $802,561.62. - 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $735, 286 96 

From depositors, not including dividends credited 3,040,933 40 

From interest on loans, deposits and investments 588. 120 56 

From rents from other real estate 600 00 

From mortgages 117,650 00 

From redemption of stocks and bonds 438,362 50 

From stocks and bonds sold (total par value, $150,000) 150,000 00 

From bankers' acceptances and bills of exchange 107,257 61 

From real estate sold 23,090 69 



Kings County 115 

From all other sources, viz. : 

Liberty Bond payments by subscribers |525, 354 55 

Received from sale Liberty Bond coupon boolu, 

conpons and stamps 66, 249 00 

Interest received in adjustment Liberty Bond sales.. 3,637 86 

Received on contract sale of real property 2. 0'30 00 

Tellers' cash over ; excess payment sale real 

property 203 10 

$597,444 61 



PAYMENTS 



$5,798,746 23 



To depositors, including dividends paid to them $3,265,724 36 

For loans on bonds and mortages 37 , 500 00 

For loans on stocks and bonds and other securities 6 , 041 86 

For bankers' acceptances and bills of exchange 107, 257 61 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $800,000) 800,000 00 

For interest (other than dividend payments to depositors) 1 ,787 21 

For current expenses of the bank, viz.: 

Forsalarles 132,165 32 

For taxes : Banking house, $3,011.25 ; surplus, 

16,602.13 9,61338 

For expenses, except taxes, of banking bouse : 

Repairs 1,895 37 

Insurance 166 24 

Other 3,12119 

For expenses of other real estate, via. : 

Repairs 135 89 

Taxes 194 96 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house. . 12, 496 04 



Other payments, viz.: 

Liberty Bond account 1816,300 00 

Refnods to Liberty Bond purchasers ; adjustment 

interest Liberty Bond account 10, 747 64 

liberty Bond coupon-books, coupons and stamps 

purchased 66,249 00 

Payment on real estate contract; tellers' cash 

short; refund excess payment sale real property.. 5,772 30 



59,777 39 



899,068 84 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 621.588 96 

$5,798,746 23 
STATISTICAL INFORMATION ===== 

Number of open accounts January 1, 1919 16,554 

Number of accounts opened or reopened during the year 2 , 652 

Number of accoimts closed during the year 2 , 360 

Amount de{k>sited during the year, not including dividends 

credited for that period $3,040,933 40 

Amount withdrawn during the year 3,265, 724 36 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 1226,157 29 

January 1, 1919 225,10067 

451,257 96 

Average amount of each account January 1, 1919 735 89 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Hate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $577 , 143 37 

Total expenses of the bank for the year 1918 60, 206 07 

lyividends paid to depositors for the year 1918 451 , 257 96 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 65,679 34 



lie Report on Savings Banks 

41. EAST BROOKLYN SAVINGS BANK, BROOKLYN 

[643 Myrtle arenae; Incorporated 1860] 

EUGENE F. BARNES. President DAVID MOREHOUSE, Treasurer. 

JOHN H. IRELAND. Vice-President JAMES 8. DAVIS, Vice-President. 

\VM. A. GItAHAM. Vice-1'rettident 

TRUSTEES 

EUGENE F. BARNES. ROBERT L. WBNSLEY. HARRY A. MOODY, 

JOHN H. IRELAND, K. J. PHILLIPS, WILLIAM A. GRAHAM.. 

JAMES S. DAVIS. FRED'K B. GUNNISON, ALFRED S. HUGHES. 

EDWARD F. GEER. REMSEN A. BOBRUM. GEORGE NICHOLSON, 

HENRY VON GLAHN, CLINTON P. CASE, DAVID MORBHOUSK. 

JOHN T. BARRY, LUTHER M. WERNER, 

FINANCIAL 

RESOURCES 

Bonds and raort^a^^es $5, 21 1, 375 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds Talue cost market value 

United States $1,029.(«0 00 $1,021,829 20 $1, 029. 050 00 

Citivs ill other Stateri l.(M5,000 00 l,in9.o72 3.J 1,022.230 00 

CitlCFJ in this State 1, 297, 089 66 1, 308. 7G0 13 1, 267, 270 99 

Counties in this State 132, 000 00 133. 232 47 132, 000 00 

Villages in this State 15.000 00 17.137 50 14,850 00 

Railroad mortgage bonds.... 1,115.000 00 1,127.374 25 934,000 00 

|4, 633, 139 66 $4. 717, 895 88 |4, 399. 400 99 



4,309.400 09 

Banking house and lot, book value, $20,000; cost, $48,741.60; 

actual cash value 20, 000 OO 

Cash on deposit in banks or trust companies 719, 804 75 

Cash on hand 49,393 *24 

Total of collectible interest ' 89, 132 5ft 



$10,489,106 i54: 
LIABILITIES 



Amount due depositors, viz.: 

Prinojpal $9,586,128 84 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 175,709 65 



$9,7G1,83S 4J> 

Other liabilities, viz.: Liberty Bond deposits 71,215 OO 

Surplus on market value 656 , 053 05 



$10,489,100 54 



Surplus on par value, $889,791.72. 



CASH TRA^'SACTIOXS DUKIXG THK YEAR 1018 

RECEIPTS 

CaMh on hand and in banks or tnist companies Januwry 1, 

1918, before transactions of the day $922,346 OS 

From depositors, not including dividends credited 2,852,898 37 

From interest on loans, deposits and investment*^ 452,359 72 

From rents from banking house 448 OO 

From mortgages 94, 850 OO 

From redemption of stocks and bonds 510, 320 lO 

From stocks and bonds sold (total par value, $463,450).... 463,450 OO 

From reaJ estate sold 28,860 02 



Kmos County 117 



From all other sources, viz. : 

Liberty Bond installment payments by subscribers.. $1SO,000 OO 

r. S. War Savings Stamps sold 413 oo 

Deficiency judgment In foreclosure action MO 00 

Insurance premiums advanced, refunded ; appraisal 

asd tax search fees ; profit sale of bonds ; sundries 905 61 



$18*2,218 61 



$5,516,750 99 



PAYMENTS 

To depontors, incl-uding dividends paid to them $2, 462, 181 6S 

For loans on bonds and mortgages 240,750 00 

For stocks and bonds purchased, inoluding premiums, commis- 

siona, etc (total par value, $1,860,050) 1 , 846, 457 98 

For interest (other than dividend payments to depositors) . . 5.043 54 

For current expenses of the bank, viz. : 

For salaries $27.«ft3 12 

For taxes : Banking house, 1602.20 ; surplus, ^,183.80 6, 686 OO 
For expenses, except taxes, of banking house : 

Repairs 589 38 

Other 2,30369 

For expenses of other real estate, viz. : 

Repairs 34 00 

Other 62 50 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 7,877 66 

45,245 35 



F'or real estate acquired by foreclosure, or in settlement of 

debts due the bank 24.697 96 

Other payments, viz.: 

Liberty Bond coupon books purchased $12,685 W 

Liberty Bonds delivered to customers and refunds 

of installments 96.16000 

Lnps account of bank burglars in " hold up " of 

December 13. 191g 14,127 69 

U. B. War Savings Stamps purchased ; insurance 

premiums advanced 264 55 

123,177 24 



Cash on hand and in banks or trust companies December 31, 
l^IS, after transactions of the day 760, 197 99 

$5,516,750 99 



STATISTICAL INFORMATION 

Xaicber of open accounts January 1, 1919 17,875 

Number of ax?counts opened or reopened during the year 3. 117 

Number of accounts closed during the year 3,205 

Amount deposited during the year, not including dividends 

credited for that period $2.S52, Sf>S 37 

Amount withdrawn during the year 2. 4G2 , 181 63 

Amount of dividends credited and paid for the year, viz.: 

Jaly 1, 1918 $170,509 52 

January l, 1919 175.703 65 

346,219 17 

Average amount of each account Januar\' 1, 1919 546 11 

Rate per cent, of dividends to depositors during the six month*) 

ending June 30, 1918 4 

Rate per cent, of dividend.s to depositors during the six months 

ending December .31, 1918 4 

Total earnings of the bank for the year 1918, after allawina: 

for amortization of premiums and discounts .* loo, 503 71 

Total expenses of the bank for the year 1918 45.615 67 

Dividends paid to depositors for the year 1918 346,219 17 

^'et earning for the year 1918 over expenses and divideiuls 

ptid to depositors 03. 758 87 



118 



Repokt ox Savings Banks 



42. EASTERN DISTRICT SAVINGS BANE OF THE CITY OF BROOKLYN, 

BROOKLYN 

[1024-1026 Gates aveaue; Incorporated 1895] 



JOHN W. FRASBR, President. 
PARKER SLOANS, Vice-President. 
HOMER L. BARTLETT, Vice-President 



CHAS. LOUIS SICARD. Secretary. 
A. MANNING SHEVIlLe, Cashier. 



PARKER SLOANE, 
CHARLES L. SICARD, 
JOHN W. ERASER, 
GEO. W. PAYNTAR. 



TRUSTEES 
C. A. VAN IDERSTINB, 
HOMER L. BARTLETT, 
C. JEROME EDWARDS, 
JAMES A. STEWART, 
HENRY L. GAUS. 

FINANCIAL 



CHARLES JACOB, 
JOHN W. MOORE, 
JOHN BOSSEBT, 
GEO. H. ILBB, 



RESOURCES 

Bonds and mortgages $5,544,368 OO 

Stock and bond investments^ viz.: 

Par 
Btocka and honda value 

United States 11,101,500 00 



State of Alabama 16,000 00 

State of California 60,000 00 

State of Maine 60,000 00 

State of Missouri 60,000 00 

State of New Mexico 60, 000 00 

State of North Carolina 6, 000 00 

Cities in other States 1,668,500 00 

Counties, villages and towns 

in adjoining States 60, 000 00 

Cities in this State 788,739 38 

Counties in this State 60. <)00 00 

Towns in this State 24,000 00 

Villages in this State 16, OOO 00 

Railroad mortgage bonds.... 1,079,000 00 



Original 
cost 

$1,101,500 00 
15,833 19 
48,611 65 
48,372 43 
48,121 68 
60.963 76 
6,030 74 

1,746,794 60 

60,067 29 
767,649 72 
62.306 66 
24,302 28 
16,000 00 
1,089.625 14 



Estimated 
market value 

$1,101,600 00 
16,920 00 
48,500 00 
60,000 00 
49,000 00 
62.600 00 
6,076 00 
1.696,660 00 

60,600 00 
737,144 40 
61,400 00 
24,620 00 
16,000 00 
968,030 00 



$4, 948. 739 38 $5, 064. 997 82 $4. 856, 739 40 



Promissory notes 

Other real estate, book value, $62,815.24; cost, $65,090.24; 
actual cash value 

Cash on deposit in banka or trust companies 

Cash on hand 

Total of collectible interest 

Amount of aU other assets, viz.: 

Liberty Bond payments for subscribers $93,488 15 

Insurance premium advanced 6 50 



4,856,739 40 
31,944 00 

62,815 24 

953,753 21 

9,899 66 

106,240 80 



93,494 65 
$11,659,254 Oft 



LIABILITIES 
Amount due depositors, viz.: 

Principal $10,983,172 72 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 195, 101 06 



Surplus on market value. 



$11,178,273 78 
480,981 18 

$11,659,254 95 

Surplus on par value, $572,981.16. 

CASH TRANSACTIONS DIIRIXG THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $865,434 03 

From depositors, not including dividends credited 4, 196,791 20 

From interest on loans, deposits and investments 505,805 10 



Kings County 119- 

Irani rente from other real estate $3,951 71 

Irom mortgages 180,047 00 

From redemption of stocks and bonds 1 » 3r>2, 790 00 

Prom stocks and bonds sold (total par value, $419,167.78) . . . 420,089 39 

Irom loans paid 32,52120- 

From real estate sold 10,450 00 

Fnon all other soiirces, viz.: 

liberty Bond receipts from subscribers |376, 209 58 

Intarance premiums and taxes advanced, refunded.. 289 75 

Received on real estate contract 1»100 00 

377,699 33. 



$7,934,478 96 



PAYMENTS 

To depositors, including dividends paid to them $3,400,795 27 

For loans on bonds and mortgages 104,400 00 

For loans on stocks and bonds and other seourities 64,465 20 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $2,984,249.38) 2,984,768 09 

For interest (other than dividend payments to depositors) .. 10,761 07 

For current expenses of the bank, viz.: 

ForKsIaries 125,785 64 

ForUzes: Surplus 3,906 24 

For rent of banking rooms 3,947 77 

For expenses of other real estate, viz. : 

Repairs 1,805 04 

Insurance 517 61 

Taxes 1,532 24 

Other 266 31 

For other expenses, not including expenses of other 
real estate nor other expenses of banlcing house.. 7,387 20 

45,148 0& 

Other payments, viz. : 

Insurance premiums and taxes advanced $263 69 

Liberty Bond account 360,136 82 

Tellers* casb short ; adjustment error in computing 
interest 88 00 

360,488 41 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 963,652 87 

$7,934,478 96 



STATISTICAL INFORMATION 

Number of open accounta January 1, 1919 29, 333 

Nmnber of accounta opened or reopened during the year 5 , 774 

Xumber of accounts closed during the year 3,753 

Amount deposited during the year, not including dividends 

credited for that period $4,196,791 20^ 

Amount withdrawn during the year 3, 400,795 27 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 1186.411 76 

January 1. 1919 195,10106 

381,512 81 

Average amount of each account January 1, 1919 381 08 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31» 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premitmis and discounts $510, 181 79* 

ToUl expenses of the bank for the year 1918 45,148 05 

Dividends paid to depositors for the year 1918 381,512 81 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 83, 520 93 



120 



Report ox Savings Banks 



43. BAST NEW YORK SAVINGS BANK, BROOKLYN 

[2644 Atlantic ayenue; incorporated 1868] 

FREDERICK MIDDENDORF. President. JOHN H. LINZ, Treasurer. 
ADOIjPH KIENDL, Vice-President. EDWARD A. RICHARDS, Secretary. 

CLARENCE F. COLTER, Vice-Pres. FRED M. LINZ, Asst. Treasurer. 



FRED'K MIDDENDORF. 
RUDOLPH RKIMBR. 
FRANK C. LANG, 
mEDERICK D. HART, 
CLARENCE F. COLYKR, 



TRUSTEES 

JOHN M. LINZ, 
ADOLPH KIENDL, 
A. H. ACKERMAN. 
CHARLES J. BENIRCH. 
EDWARD A. RICHARDS, 

FINANCIAL 



G. F. MIDDDNDORF. Ji 
JOHN MBYN, 8r.. 
N. WILLARD CURTIS. 
JAS. K. ALEXANDER. 
ANDREW BRISLIN. 



RESOURCES 

Bonds and mortgages $2,840,250 00 

Stock and bond investments, viz.: 



Par 
Btockt and bonds value 

United States |564,e50 00 



State of California 

Cities in other States 

Cities in this State 

Towns in this State 

ViUages in tnis State 

Railroad mortgage bonds 



53,000 00 

240.000 00 

702.000 00 

30.000 00 

15,000 00 

445.000 00 



Original 

cost 

$561,740 00 

61,675 00 

261.277 31 

713.847 35 

33,900 00 

18.050 00 

501.806 82 



Estimated 

market valne 

$564.650 00 

61.410 00 

243,260 00 

681.750 00 

31.880 00 

15,200 00 

393.8SO0O 



$2,049.660 00 $2,132.296 48 $1,991.900 00 



Banking house and lot, book value, $25,000; cost, $35,399.70; 

actual cash vaiue 

Other real estate, book value, $7,674.17; cost, $7,674.17; 

actual cash value 

Cash on deposit in banks and trust companies 

Cash on hand 

Total of collectible interest 



1,991.990 00 

25,000 OO 

7,000 00 
452.146 28 
29.065 fi<V 
66,681 41 

$5,412,138 89 



LIABILITIES 
Amount due depositors, vis.: 

Principal $4,843,246 64 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 86.614 38 

$4,929,861 02 

Other liabilities, viz.: Expenses incurred, but unpaid, Repairs 744 OO 

Surplus on market value 461 . 527 87 



$5,412,132 89 



Surplus on par value, $539,167.87. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $401 .794 81 

From depositors, not including dividends credited 1,034,247 28 

From interest on loans, deposits and investments 242,263 91 

From rents from banking house. 300 OO 

From mortgages 40 ,.500 OO 

From redemption of stocks and bonds 113,200 OO 

From all other sources, viz.: Insurance premium advanced, 

refunded 13 75 



$2,441,319 75 



Kings County 121 

payments 

To depositors, including dividends paid to them $1 « 300,253 54 

For loans on bonds and mortgages 153, 100 00 

For stocks end bonds parchtt^d, including premiiims, commis- 

sions, etc. (total par value, $475,000) 473,288 6o 

For interest (other than dividend payments to depositors) . . 948 21 

Jior cm'rent expenses of the bank, vi&i 

IWtakiries |15.3« W 

fttr t»X€B : Baakiiife h*u8e, I613.60; surplos, $4,337.17 4,S50 17 

F«r CMptaam, except taxes, of banking house : 

BepaSra 84 0ft 

iMuranoe 24166 

Other 662 14 

For expenses of other real estate, via. : 

Repairs 1, 069 00 

Insurance 15 62 

Taxes 171 82 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 3,700 28 

2G,193 72 

For real est-ate a4;qfaiTed by ikMreelocure, or in settlement of 

debts due the bank 6,600 00 

Other payments, vis.: 

Insurance prexnloms advanced $36 75 

Fees paid in foredosare action. 283 40 

319 15 

Gash on hand and in banks or trust comfpaniee December 31, 

1918, after trafisaetioBS of the day 481 ,211 48 

$2,441,319 75 

STATISTICAL INFORMATION 

Knnber of open accounts January 1, 1919 10,68S 

Knmber of accounts opened or reopened during the year 2,050 

Xmnber of accoants closed during tlie year 1 ,804 

ABuvBBt deposited during the year, not including dividends 

eredked fer that period $1,634,247 28 

inout Tiathdrawn during the year 1 ,300,258 54 

AaooBt of dividends credited and paid for the year, viz.: 

inly 1, 1918 $82.990 81 

January 1, 1S19 86.614 38 

169,605 19 

Average amount of each account January 1, 1919 453 36 

Kate per cent, of dividends to depositors during the six months 

ending June 30, 1M8 4 

Bate per cent, of dividends to depositors during the six months 

coding I>eoaDber 31, 1918 4 

Tbtal emtingv of the bank for the year 1918, after allowing 

for amortizstion of premiiuns and discounts $241 ,753 58 

Total expenses of the bank for the year 1918 27 ,«86 87 

I^vidends paid to depositors for the year 191H 169,605 19 

Ifet earnings for the year 1918 over expenses and dividends 

paid to depositors 44, 891 52 



122 Report ox Savings Banks 

44. FLATBUSH SAVINGS BANK, BROOKLYN 

[910 Flatbush avenue; incorporated 19161 

HARRY B. HAWKINS. President. EVERETT E. TERRY, Vice-President. 

FREDERICK A. KOCH. Vice-President. DANIEL A. BENTIEN. Secretary. 

8TARKS W. SALT, Vice-President. 

TRUSTEES 

HARRY B. HAWKINS. GEORGE C. DICKEL. DeWITT V. D. REILEY. 

FREDERICK A. KOCH, WILLIAM HAWKINS, T. SCHENCK RBMSEN, 

8TARKS W. SALT, J. PAUL HOFFMAN. ALLAN STEVENSON, 

EVERETT B. TERRY, GR IS WOLD I. KEENEY. HENRY L. UGHETTA. 

JOHN A. COOK, ALEXANDER MacDONALD, RICHARD VOM LEHN, 

HENRY B. DAVENPORT, JAMES McILRAVY. WILLIAM T. WELCH. 

HENRY J. DAVENPORT, 

FINANCIAL 
RESOURCES 

Bonds and mortgages 1858.200 00 

Stock and bond investments, viz.: 

Par Original Estimated 

8t9ek» and bonds value cost market value 

United States |136,3G0 00 $1^.400 00 I1S6.350 00 

State of Idaho 6.00000 4.747 24 4.860 00 

State of Massachusetts 6.000 00 4.960 60 4.975 00 

Cities in other States 36.000 00 86.806 39 86.400 00 

Cities in this State 99.200 00 100,046 44 90.704 00 

Railroad mortgage bonds.... 142,000 00 138.892 76 133.400 00 

1421.660 00 $417,852 32 $413,679 00 



413,679 00 
Other real estate, book value, $706.88; cost, $706.88; actual 

cash value 706 88 

Cash on deposit in banks or trust companies 170,368 89 

Cash on hand 16, 562 00 

Total of collectible interest 20,517 Id 

Amount of all other assets, viz.: Liberty bond payments for 

subscribers 10, 194 00 



$1,489,227 93 



LIABILITIES 

Amount due depositors, vis.: 

Principal $1,449,947 04 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 20, 210 38 

$1,470,157 42 

ISurplus on market value 19, 070 51 

$1,489,227 93 



Surplus on par value, $26,941.51. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $87, 350 09 

From depositors, not including dividends credited 1,430,394 79 

From interest on loans, deposits and investments 40,958 87 

From mortgages 18, 600 00 

From redemption of stocks and bonds 50,000 00 

From stocks and bonds sold (total par value, $2,450) 2,450 00 

From all other sources, viz.: Liberty Bond installments paid 

by subscribers 78 ,256 00 



$1,708,000 75 



Kings County 123 

payments 

To depositors, including dividends paid to them $688 , 489 82 

For loans on bonds and mortgages 481 , 030 00 

For stocks and bonds purchased, including premiums, commis- 

BioDB, etc. (total pax value, $264,200) 252,167 01 

For interest (other than dividend payments to depositors) . . 1,158 30 

For current expenses of the bank, viz.: 

ForsalarieB 16.072 63 

For expenses, except taxes, of banking house: 

Inrarance 44 81 

¥\)r rent of banking rooms 1,774 97 

For expenses of other real estate, tIz. : Taxes 42 57 

For otner expenses, not including expenses of other 
real estate nor other expenses of banking house.. 2,827 96 

10,762 83 

Other payments, viz.: Liberty Bonds purchased for subscribers 88,450 00 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 185,930 89 

$1,708,009 75 



STATISTICAL INFOBMATION 

Xuinber of open accounts January 1, 1919 8,373 

Xumber of accounts opened or reopened during the year. ... 4,106 

Xumber of accounts closed' during the year 1 ,491 

Amount deposited during the year, not including dividends 

credited for that period $1,430,394 79 

Amount withdrawn during the year 688, 489 82 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 114,646 96 

Janaary 1, 1919 20,210 88 

Credited at other periods 69 28 

34,816 62 

Average amount of each account January 1, 1919 175 53 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 191S 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $50, 747 19 

Total expenses of the bank for the year 1918 10,762 83 

Dividends paid to depositors for the year 1918 34, 816 62 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 5, 167 74 



124: 



Report ox Savings Banks 



45. FULTON SAVINGS BANK, KINGS COUNTY, BROOKLiN 
[375 Pulton street; incorporated 1867 as Ccroiauia Sr.viDg.H Bank, Kings county] 



A. GOBPBL, President. 

PBTBR H. RBPPBNHAGBN. Vice-Pres. 

OTTO WISSNER, Vice-President. 



OSCAR THOMAS8, Trenmirer. 
J. C. M. LORBNZ. Secretary. 
JOHN W. HA8S. Cashier. 



ADOLPH GOBPEL, 
CHAS. A. SCHIERBN. 
P. H. REPPENHAGEN. 
T. ELLETT HODGSKIN, 
JACOB DANGLER, 
AUGUST JAHN, 



TRUSTEES 
J. P. HILDEBRAND, 
RICHARD KNY. 
OTTO WISSNER, 
J. R. MANNHEIM. 
HERMAN A. METZ, 

FINANCIAL 
RESOURCES 



FRBDESTCK RBJNKENr 
OTTO E. RBIMER. 
OSCAR THOMASS. 
BERTHOLD PALLERT,. 
f*. W^. RASCH. 
LOUIS SCHELING. 



Bonds and mortgages $7,798,200 Oa 

Stock and bond investments, viz.: 



Par 

Stocks and bonds value 

United States $191,500 00 

State of California 90,000 00 

State of Oklahoma 20,000 00 

Cities in other States 1,096,000 00 

Cities in this State 2,145,48182 

Counties in tliis State 336,000 00 

Towns in this State 12,175 00 

ViHaffes in th is State 21, 900 00 

Railroad mortgage JEionds.... 730,000 00 



Original 

cost 

$191.500 00 

90,608 40 

20,494 00 

1,147,516 64 

2,259,553 86 

352,491 67 

13,496 31 

22,968 60 

706,246 71 



Estimated 

market value 

$191,500 00 

90.100 00 

19,800 00 

1,004,940 00 

2,068,894 54 

337,500 00 

12.021 50 

22.337 00 

657,200 00 



$4, 643. 056 82 $4. 803, gTO 79 $1. 489, 293 04 



Banking house and lot, bode value, $322,900.27; cost, $374,- 
620.05 ; actual cash value 

Other real estate, book value, $110,176.16; cost, $119,165.58; 
actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other a«sets, viz.. : Rent accrued 



4,489,293 04 

322,900 27 

111,500 Of> 

974,116 19- 

17,481 m> 

111.447 (\Z 

490 OO 



$13,825,428 82 



LIABILITIES 

Amount due depositors, viz.: 

Principal $12,633,108 28 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 237, 781 33 



(Surplus on market value. 



$12,870. SSf> nn 
954,. 500 2.'J 

$13,825,428 82 

Surplus on par value, $1,108,303.01. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or tru&t companies January I, 

1918, before transactions of the day $800,308 Sa 

From depositors, not including dividends credited 3, 111,388 31 

613,531 30 

15,417 S9 

7,798 01 

328,275 00 

75,780 91 

170,300 00 

36,000 00- 



From interest on loans, deposits and investments. 

From rents from banking house 

From rents from other real estate 

From mortgages 

From redemption of stocks and bonds 

From stocks and bonds sold (total par value $170,300) 
From real estate sold 



Kings County- 125 



i'Tom all other soarces, vis. : 

ippraiaal fees $332^0 

Io8iirance premiums advanced, ref ucded 271 72 

DtfacieDcy judgment ; old safe sold ; ref imd, 

advertising 106 CO 



$700 02 



$5,159,500 27 



PAYMENTS 

To depositors, including dividends paid to them $3.667. 030 64 

For loans on bonds and mortgages 75 ,500 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $272,850) 272. 850 00 

For current expenses of the bank, yiz. : 

For salaries >23,2(» 65 

For taxes: Banking house, $9,041.55; surplus, 

JS/.95.35 17,740 90 

For expenses, except taxes, of banking house : 

Repairs 1.060 79 

Insurance 270 80 

Other 10,18159 

For expenses of other real estate, viz. : 

Repairs 934 58 

Insurance l*'*-^ ^ 

Taxes 2,214 74 

Otlier 1.0U23 

For otlier expenses, not inelndin^ expenses of other 
real estate nor other ezpenses of bankioif house.. 5,S17 85 

•^ 63,859 47 

For real estete acquired by foreclosure, or in settlement of 

dtbts due the bank 87,034 :^3 

Other payments, viz.: 

Commissions paid sale of real property 1^40 00 

Improvements, real property 200 00 

iMorance premiums advanced ; interest adjustment 

Liberty Bond account 190 90 

730 90 



Ca«h on hand and in banks or trust companies December 31, 
1918, after transactions of the day 901 ,r)07 88 

$5.150,50!» 27 



STATISTICAL INFORMATION: 

Xumber of open accounts January 1, 1919 120.710 

Xumber of accounts opened or reopened during the year 2,Ho<> 

Xumber of accounts closed during the year 3, 070 

Amount deposited during the year, not including dividends 

credited for that period $3, 111 ,.TS« 31 

Amount withdrawn during the year 3,GG7.0.'><3 04 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 1240,388 30 

January 1, 1919 237,781 33 

478. IGO 53 

Average amount of each account January 1, 1919 621 21 

Hate per cent, of dividends to depositors during the Six months 

ending June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discoimts $830. 124 93 

Total expenses of the bank for the year 1918 70. 10r» 30 

Dividends paid to depositors for the year 1918 478,169 53 

^^et earnings lor the year 1918 over expenses and dividends 

V^d to depositors 81 , 849 10 



126 



Repokt on Savings Banks 



46. THE GREATER NEW YORK SAVINGS BANE, BROOKLYN 

[498 Fifth avenue; Incorporated 1897] 

C. J. OBERMAYER, President. WM. K. CLEVERLY. Vlce-Pres. 

ALEXANDER 0. CALDBR. Vlce-Pres. WM. OBERMAYER, Secretary, 

THOMAS L. GRACE, Assistant Secretary. 



TRUSTEES 

C. J. OBERMAYER. WM. OBERBIAYBR, 

CHARLES RUSTONj W. M. MESBROLB. 

WILLIAM J. MAXWELL. WM. K. CLEVBRLBY, 

W. F. VANDEN HOUTEN, WALTER CRITCHLEY, 

ALEX. G. CALDBR, JOHN LAMONT. 

FRANK A. SELLE. ARCHIBALD SIMPSON. 

MILO M. BELDING, JB., GUSTAVB HARTUNG, 



H. B. McNAIR, 



.TOHN B. RUSTON, 
THOMAS M. DELANEY. 

FINANCIAL 



FREDERICK W. STARB, 
WM. W. SPENCE, 
LUDWIG MERKLBIN. 
GUY LOOMIS. 
WM. D. BUCKNER, 
RAYMOND H. FIERO, 
HARRY M. DeMOTT. 
BLISHA W. HINMAN. 



RESOURCES 

Bonds and mortgages $3. 936, 575 00 

Stock and bond investments, viz.: 



Par 
Btocka and bonds value 

United States $1,266,000 00 

State of New York 100,000 00 

Cities In other States 786,500 00 

Cities in this State 630.000 00 

Towns in this State 10, 000 00 

Villages In thlp State 10,000 00 

School districts in this State 16,000 00 



Original 

cost 

11,266,000 00 

105.387 00 

828,546 24 

644,860 18 

10,060 00 

10,711 00 

16,558 30 



Estimated 

market value 

11.266,000 00 

106,000 00 

788.306 00 

612,225 00 

10.170 00 

10.015 00 

15,990 00 



12, 818, 500 00 $2, 882, 112 72 $2, 808. 705 00 



Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 



2,808,705 00 

521.712 41 

58.145 01 

68,136 67 

$7,393,274 99 



LIABILITIES 

Amoimt due depositors, viz.: 

Principal $6,694,362 37 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 112, 720 C5 



Other liabilities, viz.: Liberty Bond deposits 
Surplus on market value 



$a.807,0S3 02 
342,515 50 
243,676 47 

$7,303,274 99 



Surplus on par value, $253,471.47. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day , , . . $442. 244 57 

From depositors, not including dividends credited 3.372,933 30 



From interest on loans, deposits and investments 

From mortgages 

From redemption of stocks and bonds 

From stocks and bonds sold (total par value $1,210,650) . . . . 

From all other sources, viz.: 

Liberty Bond payments by subscribers |1, 443, 808 00 

Profit sale of bonds 1,848 81 

Cash over ; Sundries 25 43 



297,884 84 

93, 150 00 

600.000 OO 

1,210,650 OO 



1,445.682 24 
$7,462,544 95 



Kings County 127 

payments 

To depositors, including dividends paid to them $2, 261, 593 88 

For loans on bonds and mortguges 610, 000 00* 

For stocks and bonds purchased, including premiums, commis- 

aions, etc (total par value, $2,843,000) 2,745,044 06 

For interest (other than dividend payments to depositors) . . 3,679 8ft 

For current expenses of the bank, viz. : 

Forsalarles $28,53777 

Fortazes: Surplus 1,928 12 

For expenses, except taxes, of banking house : 

Repairs •. 375 21 

Insurance 10 71 

For rent of banking rooms 3,925 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 16.663 23 

49,440 04 

Other payments, viz.: Liberty Bond payments for subscribers. . 1,212,928 79 
Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 579, 858 32 

$7,462,544 95 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 22,301 

Number of accounts opened or reopened during the year 5 , 892 

Number of accounts closed during the year 3,718 

Amount deposited during the year, not including dividends 

credited for that period $3, 372, 933 30 

Amount withdrawn during the year 2,261 ,593 88 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 $102.749 79 

January 1. 1919 112,720 65 

215,470 44 

Average amount of each account January 1, 1919 305 24 

Bate per cent, of dividends to depositors during the six months 

encHng June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discount* $307, 674 22 

Total e^gpenses of the bank for the year 1918 49,440 04 

Dividends paid to depositors for the year 1918 215,470 44 

Xet earnings for the year 1918 over expenses and dividends 

paid to depositors 42, 763 74 



128 Keport ox Savings Banks 

47. THE GREEN POINT SAVINGS BANK, BROOKLYN 

[807 Manhattan aTenue; Incorporated 1SC8] 

GEORGE W. FELTER. President. FRANK S. HARLOW, Secretary. 

CHAS. H. REYNOLDS, Vice-President. WILLIAM J. FLEMING. Asst. Bee. 

D. A. MANSON. Vice-President. 

TRUSTEES 

WILLIAM C. REID, JAS. A. McCAFFERTT, FRANK S, HARLOW, 

HENRY DUCKER, GEORGE W. FELTER, WILLIAM B. CATER. 

DONALD A. MANSON, CHAS. H. REYNOLDS. GEORGE H. PERRY. 

LEWIS JURGENS. DAVID MARTIN. FREDERICK W. SMITH. 

JOSEPH S. MONTGOMERY. 

UNANCIAL 

RESOURCES 

Bonds and mortgages $6, 507 ,225 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United «tat€fi $1,221.000 00 $1,198.176 06 $1,221.000 00 

State of Oklahoma 70,000 00 70,654 62 63,300 00 

State of Tennessee 150, 000 00 164. 538 00 154. 500 00 

State of Idaho K.OOO 0«) 25.492 80 25.250 00 

State of California 84.000 00 85.957 86 84,730 00 

Cities in other States 1, 178. 000 00 1, 210. 948 75 1. 166, 335 eo 

Cities in this State 787, 880 00 807, 870 86 774, 342 00 

Counties in this State 275.000 00 295.202 51 264,050 00 

Towns in this State 45,000 00 45,432 77 45,000 00 

Railroad mortgage bonds .... 1, 492, 000 60 1, 460, 084 38 1. 287, 460 0» 

$3, 327. 800 00 $5, 364, 358 11 $5, 091. 9G7 00 



5,001,907 OO 
Banking house and lot, book value, $125,000; cost, $1^9,- 

227.76 actual cash value 12^,900 OO 

Other real estate, book value, .$'28.3^)8.01: ior^i, i^'2^::,9S.{n; 

actual casli value 2%, 99% 01 

Cash on deposit in banks or trust companies 731 , 892 1 1 

Cash on hand 88.706 07 

Total of collectible interest 107,974 62 

Amount of all other assets, viz.: Advanced for Liberty Bond 

subscribers ". 57. 900 OO 



$12,736^72 81 

LIABILITIEB 
Amount due depositors, viz.: 

Prindpal $11,385,012 69 

Dividends credited or to be credited for the six 
montlis ending with December 31, 1918 204.493 73 

$11,589,506 42 

Other liabilities, viz.: Expenses incurred, but unpaid, Taxes 

accrued 5 .450 00 

Surplus on market value 1 , 141 . 616 39 



$12,736,672 81 

Surplus on par value, $1,377,449.39 

CASH TRAXSACTIOXS DURIXG THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $649. 884 18 

From depositors, not including dividends credited 3.411,633 34 

From interest on loans, deposits and investments 560.049 80 

From rents from other real estate 2. 112 45 

From mortgages 157 ,000 00 

From redemption of stocks and bonds 296, 850 00 



Knros Covixtt 129 

from stocks and bonds sold (total par value, 9478,000) |470, 125 50 

From ml estate sold 29,387 60 

From all other sources, viz. : Liberty bond paymenta by sub- 
scribers 776,300 00 

$6,353,342 83 

PATMENTS 

To depositors, including dividends paid to th^n $2,704,421 69 

For loans on bonds and mortgages 236, 950 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $1,977,200) 1,940,451 88 

For interest (other than dividend payments to depositors) .. 7,818 19 

For current expenses of the bank, viz.: 

For salaries 141,443 00 

For uxea : Banking house, 12,974.1$ ; surplus, 

«10,5ea8J 18,534 48 

For expenses, except taxes, of banking house : 

Repairs 717 54 

Insurance 52 60 

For expenses of other real estate, vis : 

Repairs 1,14068 

Insurance 130 01 

Taxes 1.020 64 

Other 268 60 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house. . 7. 373 00 

66,671 34 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 41,921 55 

Other payments, viz.: Liberty Bond payments for subscribers. 537,600 00 
Cash (Ml hand and in banks or trust companies December 31^ 

1918, after tranaactions of the day 818,508 18 

$6,353,342 83 

STATISTICAL INFORMATION 

Knmber of open accounts January 1, 1919 21 , 214 

N^ttmber of accounts opened or reopened during the year 3,793 

Xumber of accounts closed during the year 2, 680 

Amount deposited during the year, not including dividends 

credited for that period $3,411,633 34 

Amount withdrawn during the year 2 , 704, 421 69 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 1197,979 30 

January l, 1919 904,493 78 

402,473 03 

Arerage amoimt of each account January 1, 1919 546 31 

Rate per oenL of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depoeitors during the six months 

ending December 31, 1918 4 

Tntal earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $575, 453 93 

Total expenses of the bank for the year 1918 67,653 87 

DiTidends paid to deposiitors for the year 1918 402,473 03 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 105, 327 03 



5 



130 Repobt on Sayings Banks 

48 HAMBURG SAVIKeS BAKK, BROOKLYN 

[1461 Myrtle avenue; incorporated 1906] 

DAVID ENGEL, President. NICHOLAS A. STEMMBRMANN. VIce-Prea. 

ROBERT E. MOFFETT, Vlce-Prea. GEO. C. UNBESCHEIDBN, Secretary. 

TRUSTEES 

DAVID ENGEIi. C. WM. WOHLERS, ROBERT B. MOPFETT, 

N. A. STEMMBRMANN, H. J. HOLTERMANX, W. P. BOGGS, 

H. I* SCUELLING. CHAS. AlCHMANN. HENRY F. WAGNER. 

HENRY C. BOHACK, EUNE8T A. FLEISCHER, P. AUGUST SCHURMANN. 

ALBERT L. LEVI. OTTO SPANGBNBBRG. GEO. C. UNBESCHBIDEN. 

FINANC?IAL 

RESOURC£>S 

Bonds and mortgages $1,623,760 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value coRt market value 

United States 1302.26000 $299.639 40 $S02.2B0 00 

State of New Mexico 15.000 00 16, m 68 15.750 00 

State of Massachusetts 12. 000 00 10. 464 12 10. 7G0 CO 

State of South Carolina.... lO.OOO 00 10,000 00 10.000 00 

Cities in other States 118,400 00 124,986 37 120,760 00 

Towns in this State 38,000 00 37.309 34 37,810 00 

Villa$!r08 In this State HI. 980 00 114, 943 76 114. 372 06 

School districts in this State 60.C60 OQ 62,048 28 61.156 76 

Railroad mortgage bonds.... 68,000 00 64,858 76 69,260 00 

$991,180 02 $997,65169 $984. 457 16 



984,457 15 

Cosh on deposit in banks or trust companies 218. 162 28 

Cash on hand 19,540 25 

Total of collectible interest 22,237 76 



$2,868,147 44 



LIABILITIES 

Amount due depositors, viz.: 

Principal $2,736,589 98 

Dividends credited or to be credited for the six 
monuis ending with December 31, 1918 48, 460 31 



$2,784,050 29 
Surplus on market value 84, 097 15 

$2,868,147 44 



Surplus on par value, $90,820.02. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $215,883 43 

From depositors, not including dividends credited 1,091 ,269 68 

From interest on loans, deposits and investments 124,506 60 

From mortgages 35 , 800 00 

From redemption of stodvs and bonds , 139, 3S6 67 

From st(x;ks and bonds sold (total par value, $31,167.50) 3, 184 4S 

From all other sources, viz.: 



U. S. Thrift Stamps sold $1,676 00 

CaAh over ; Profit, bond sale ; Advertising refund ; 
Commission on bond purchases 131 11 



1.706 11 



$1,611,736 97 



KiNM CJOUHTY 181 

PAXMSNTS 

To depoBitors, including divittendg paid to them $828, 080 74 

For loans on bonds and mortgages 117* 000 00 

For stocks and bonds purchasedi including premiums, commia- 

81008, etc. (total par value, $418,167.60) 413,046 04 

For interest (other than dividend payments to depositors) .. 1,420 66 

¥oT current expenses of the bank, viz.: 

For salaries K»,779 97 

For taxes: Banking house. $576.00; surplUH, $4d2.U.. 1,068 11 

For expenses, except taxes, of banking house : 

Repairs 184 86 

Insurance 60 00 

For rent of banking rooms 1, 500 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 2.379 06 

11,912 00 

Other pavmenta, viz.: 

A(j(Ju8tinent of depositor's account flfO 00 

U. S. Thrift s;famps 1.675 00 

1,675 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 237,702 53 

$1,611,736,97 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 9, 132 

Xumber of accounts opened or reop^ied during the year 1 , 657 

Xomber of accounts closed during the year 1 , 353 

Amount deposited during the year, not including dividends 

credited for that period $1 ,091 ,269 68 

Amount withdrawn during the year 828, 980 74 

Amount of dividends credited niid paid for the year, viz.: 

Jnly 1, 1918 $46,07230 

January 1, 1919 48,456 51 

Credited at other periods 4 80 

94,532 61 

Average amount of each account January 1, 1919 304 86 

Rate per cent, of dividends to depositors during tlie six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $124,919 53 

Total expenses of the bank for the year 1918 12,012 00 

Di?i(iendg paid to depositors for the year 1918 94, 532 61 

Xet eamhigs for the year 1918 over expenses and dividends 

paid to depositors 18, 374 92 



132 



Rbpob'T ok Savikos Bakks 



48. HOH£ SAVINCkS BAHK, BROOKLYN 

[804 Manhattan avenue; incorporated IMS] 



MARSHALL W. GLBASON, President. 
LOUIS STERN, Vice-President 



JOHN W. BURR. Vice-President. 
V. M. POWELL* Cashier. 



M. W. GLEASON, 
JOHN W. BURU. 
HARRY A. JEWELL, 
MORRIS S AIRMAN. 
LOUIS STERN, 



TRUSTEES 

OSCAR A. BOCH, 
CHAS. P. BALL. 
CHAS. W. GRIFFIN. 
EDGAR H. HAZELWOOD, 
EDWIN J. SUTPHIN, 



CHARLES H. HAWKINS. 
THOMAS F. KELLY, 
J. R. HAZELWOOD. 
M. H. CAVANAUGU, 
GEORGE H. HOWE. 



FINANCIAL 
RESOURCES 



Bonds and mortj^ages , 

8toc[c and bond investments, viz.: 

Par 
Btoeka and hondt value 

United States 133,660 00 

Cities in other States U5. 500 00 

Counties, villages and towns 

in adjoining States 15,000 00 

Cities in this State 20,600 00 

Towns in this State 6,750 00 

Villages in this State 22, 000 00 

School districts in this State 15,400 00 

Railroad mortgage bonds. ... 21, 000 00 



$418,160 00 



Original 

cost 
133.650 00 
120.464 92 

15.286 02 
20.378 92 
6,879 80 
23,210 16 
Ifi.CSOSO 
18.112 27 



I248.80O0O 1263.012 49 



Estimated 
market value 
$33,660 00 
118,860 00 

15,960 00 
20.606 00 
6.780 00 
22,984 00 
16.821 OO 
18,480 00 

$262,140 00 



Cash on deposit in banks or trust companies 

Cash on hand 

Total oi collectible interest 

Amount of all other assets, viz.: Vault«» furniture, and 
fixtures 



252,140 00 

67,188 49 

6,065 19 

6,351 39 

3,000 00 

$741,885 07 



LIABILITIES 

Amount due depositors, viz.: 

Principal $703.252 00 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 12.620 46 

$715,772 46 

Surplus on market value 26, 112 02 

$741,885 07 

Surplus on par value, $22,772.62. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $35. 177 41 

From depositors, not including dividends credited 311,768 63 

From interest on loana, deposits and investments 35,137 76 

From mortgages 21 ,900 00 

From redemption of stocks and bonds 26, 260 00 

From stocks and bonds sold (total par value, $81,000) 79.706 26 

From all other sources, viz. : Profit, sale of bonds 369 43 

$510,299 48 



EiNOB CouirrT 133 

PATMBNTS 

To depMitors, indudinff dividends paid to than $263,055 74 

For loam on bonds and mortgages 19, 500 00 

For stocks and bonds purchased, including premiums, commis- 

skmg, etc. (total par value, $160,800) 167.262 63 

For interest (other than dividend jMiyments to depositors) . . 1,000 54 

For carrent expenses of the bank, viz. : 

FortalarieB |3.n2 OO 

Por taxes: Surplus 64 94 

For ezpenees, except taxes, of banking house : Other M 68 

For rent of banking rooms 1,400 00 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 854 87 

6,227 89 

(^di on hand and in banks or trust companies December 31, 
1918, after transactions of the day 63,243 68 

$510,209 48 



STATISTICAL INFORMATION 

Kufflber of open accounts January 1, . 1919 2,666 

Number of accounts opened or reopened during the year .... 603 

Kmnber of accminte closed during the year 635 

Amount deposited during the year, not including dividends 

credited for that period $311 ,768 63 

Amount withdrawn during the year 263,055 74 

Amount of dividends credited and paid for the year, viz.: 
July 1, 1918 111,99196 

January 1, 1919 12,520 46 

24,512 41 

Average amount of each account January 1, 1919 268 48 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of prentiums and discounts $34,413 37 

Total expenses of the bank for the year 1918 6, 227 89 

Dmdends paid to depositors for the year 1918 24,512 41 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 3 , 673 07 



134 Repobt on Satinos Banks 

60. THE KINGS COUNTY SAVINGS INSTITUTION, BROOKLYN 
[135 Broadway, corner Bedford avenue; Incorporated 1860] 

HUBERT G. TAYLOR, President. MARTIN MULLER, Cashier. 

ALFRED HODGES, Yicc-PrePldent. GODFREY BAUER. Asst. Cashier. 

J. CARLISLE LOUDOXs Vice-President. 

TRUSTEES 

ROBERT LIPTROTT, AUGUSTUS P. DAY. C. E. DONNBLLON, 

EDWARD McOARVEY, WALTER MATHISON. W. WINTHROP TAYLOR, 

HUBERT G. TAYLOR. WILLIAM C. CARRICK, R. A. COYKENDALL, 

JACOB C. KLINCK, J. CARLISLE LOUDON, CHAS. F. TUTTLE;, 

ALFRED HODGES. 

FINANCIAL 
RESOURCES 

Bonds and mortgages |6, 187, 650 00 

Stock and bond investments, viz.: 

Par Original Estimated 

8toeh8 and bonds valne cost market value 

United States |2a3,00000 1293,00000 1293,000 00 

State of California 25.000 OQ 23,600 00 23,500 00 

State of Maryland 26,000 00 24,750 00 24.760 00 

State of Oklahoma 25,000 00 2&,385 25 24,750 00 

Cities in other States 1. 310, 000 00 1, 356. 630 01 1, 906. 557 00 

aties in this State 1,704,400 00 1,776,864 86 1.649.219 20 

Counties in this State 63, 633 47 68, 982 62 62, 262 80 

VllhiKes In this State 131, 000 00 137. 576 22 137. 340 00 

School districts in this State 77,000 00 78.249 62 7fi.554 00 

Railroad mortgage bonds 3,606,000 00 3,771,78156 3,287,260 00 

17. 268. 933 47 17, 554, 700 64 |6. 887, 193 OO 



6,887,193 00 
Banking house and lot, book value $50,000; cost, $142,637; 

actual cash value 50,000 00 

Other real estate, book value, $251,400.74; cost, $251,400.74; 

actual cash value 251 , 400 74 

Cash on deposit in banks or trust companies 930,284 47 

Cash on hand 47 ,059 27 

Total of collectible interest 124,969 99 

Amount of all other assets, viz.: 

Liberty Bonds for counter sale |73, 500 00 

Deficiency Judgments 2,003 28 

U. S. Thrift Stam]>8 400 00 



75,903 28 



$14,554,460 75 

LIABILITIES 

Amount due depositors, viz.: 

Principal $13,323,668 41 

Dividends credited or to be credited for the six 
montlis ending with December 31, 1918 256,642 95 

$13,580,201 36 

Other liabilities, viz. : Suspense v: 1 ,783 71 

Surplus on market value 972 ,475 68 

$14,554,460 75 

<^rplus on par value, $1,344,216.15. 

CASH TRANSACTION'S DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $946,013 11 

From depoBitors, not including dividends credited 2,139,15^ 87 

From intereert on loans, deposits and invcstmentsi 658,191 55 

From rents from other real estate 16,451 34 

From mortgages 160,696 69 



Kings County 135 

From redemption of stocks and bonds $220,600 00 

From real estate sold 19,501 26 

From all other tourcesi vis.: 

Uber^ Bonds, counter salcfi, and Interest on same.. $198,894 22 
Fees for tax searches ; Deficiency Judgment ; Collec- 
tion fees 172 75 

1»8,556 07 



$4,368,164 78 



PAYMENTS 

To depositors, including dividends paid to them $2,921,770 62 

For loaui on bonds and mortgage^ 14, 000 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $110,000) 110,000 00 

For current expenses of the bank, vis. : 

For salaries $34,466 00 

For taxes : Banking house, $1,190.65 ; surplus, 

|8,081J2 9,271 77 

For expenses, except taxes, of banking house: 

Repairs 246 79 

Insurance 182 93 

For expenses of other real estate viz. : 

Repairs 8,357 61 

Insurance 1. 113 74 

Taxes 6,728 01 

Other 2,492 31 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 4,382 18 

06,230 34 



For real estate acquired by foreclosure, or in settlement of 

debts due the bank 25,500 00 

Other payments, viz.: 

Inanrance premiums advanced 993 32 

Liberty Bonds purchased for counter sale 280, 000 00 

U. B. War Savings Stamps 400 00 

Eipeoses in foreclosure actions; taxes paid on 

foreclosed properties 2,817 76 

253,311 08 



Cash on hand and in banks or trust companies December 31, 
lOlS, after transactions of the day 077,343 74 

$4,368,164 78 



STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1010 14* 100 

Number of accounts opened or reopened during the year 1,200 

Nnmber of accounts closed during the year 1 , 320 

Affloont deposited during the year, not including dividends 

credited for that period $2, 130, 153 87 

Anount withdrawn during the year 2,021 , 770 62 

Amoont of dividends credited and paid for the year, viz.i 

July 1, 1918 1261.536 59 

January 1, 1919 266.642 95 

618,070 54 

Average amount of each account January 1, 1010 057 02 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1018 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1018 4 

Total earnings of the bank for tlie year 1018, after allowing 

for amortization of premiums and^ discounts $663, 155 81 

Total expenses of the bank for the year 1018 66,230 34 

I^mdends paid to depositors for the year 1018 518,070 54 

Xet earnings for the year 1018 over expenses and dividends 
paid to depositors 78,845 03 



136 Repobt on Sayings Banks 

61. LINCOLN SAVINGS BANK OF BROOKLYN, BROOKLYN 

[531 Broadway; incorporated 1866 as German Savings Bank of Brooklyn] 

CHARLES FROKB, Preffldent JOHN U. OTTO. Vice-President 

JOSEPH HUBdSB, Vice-President UBNBl STUMPF, SecreUry. 

TRUSTEES 

THEO. BNGELHABDT, JOHN M. OTTO. JOSEPH HUBER. 

CHARLES FROEB. GEORGE B. GOODWIN, LOUIS ZOELLNEB. 

aERMANF.43CHARMANN, J. H. SCHITMANN, JOHN PROBST. 

HKNRT r. DECK, HENRY RTITMPF, FREDERICK WEI8BHOD, 

CHARLES VOGT, FRED. GRETSCH, UARRY M. EDWARDS. 

FINANaAL 
RESOURCES 

Bonds and mortgages $13, 371 ,675 00 

Stock and bond investmentB, viz.! 

Par Original Estimated 

Stocks and bonds value eont market value 

United States 12,216.750 00 12,206.268 60 12.215.760 00 

State of Louisiana 12.000 00 12,748 33 13,180 00 

State of Mississippi 23. 000 00 24. 180 11 23. 470 00 

State of Montana 10.000 00 10.00000 10.600.00 

State of Oregon 10. 000 00 9.748 68 9.720 00 

State of South Carolina.... 25.000 00 24.968 76 26,000 00 

State of Tennessee 1,000 00 1.000 00 1,01000 

Cities In other States 2.774,406 00 2,905.487 CT 2,761.58158 

Cities in this Stnte 2,337.277 18 2.468.629 67 2,268.516 64 

Counties In this State 114,400 00 120.378 68 111.744 20 

Towns in this State 59.600 00 62.187 <^ 60.640 00 

Villages in this State 24,000 00 28.803 03 23.800 00 

Railroad mortgage bonds .... 2, 743, 848 48 2, 878, 916 96 2, 708, 600 69 

$10,360.183 66 $10,747,263 01 $10,227,463 01 

,«,»=«_= «_»_. 10,227,462 01 

Promissory notes 5 , 690 00 

Banking house and ]ot, book value, $65,000; cost, $120^- 

714.59; actual cash value 65,000 00 

Cash on deposit in banks or trust companiee 2,366,000 00 

Cash on hand Ill ,064 35 

Total of collectible interest 204,452 73 

Amount of all other assets, viz.: Rent accrued 412 09 



$26,350,746 18 
LIABILITIES 

Amount due depositors, viz.: 

Principal $23,925.244 63 

Dividends credited or to be credited for the six 
months ending with December 31, 191S 438, 042 IS 

$24,357,286 79 

Other liabilities, viz. : Liberty Bond deposits 46,022 20 

Surplus on market value 1,947,437 19 

$26,350,746 18 

Surplus on par value, $2,070,158.84. ■ 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trusb companies January 1, 

1918, before transactions of the day $2,651,298 24 

From depositors, not including dividends credited 7,395,271 95 

From interest on loans, deposits and investments 1, 163, 142 78 

From rents from banking house 3,525 50 

From rents from other real estate 41 00 

From mortgages 238. 600 00 

From redemption of stocks and bonds 2,057. 757 26 

From stocks and bonds sold (total par value, $887,160.12) . . 893.195 51 

From loans paid 17 ,948 86 

From real estate sold 7, 490 03 

From all other sources, vis.: 

Liberty Bord subscriptions, Fourth Loan |138, 713 30 

n, 8. Thrift Stanips sold.... * .....^..^^ 11,384 M 



Kings County 137 

Insnnnce premlunifl advaneed, refunded; fees for 
tax iiearcue8, collections, and »atlsf action piecen.. |S76 £8 

Sale of old material ; profit, sale of bonds ; sundry 
rebates 273 08 

$146,655 34 

$14,574,826 47 

PAYMENTS 

To depoaitora, including dividends paid to them $6,607,653 48 

For loana on bonds and mortgogea 231 ,600 00 

For loans on stocks and bondse and other securities 23,638 86 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $5,046,755.18) 5, 036, 165 43 

For interest (other than dividend payments to depositors) . . 16,417 66 

yor current expenses of the bank, via.: 

For salaries 146,247 96 

For taxes: Banking house, |l,682b70; surplus, |1S,- 

266.00 16,968 70 

For expenses, except taxes, of banking bouse : 

Repairs 812 11 

Insurance 106 76 

For expenses of otber real estate, tIi. : 

Repairs 885 00 

Taxes 299 60 

Other UOO 

For other expenses, not including expenses of other 
ml estate nor other expenses of banking house. . 10, 388 70 

75,712 82 

For real estate acquired by foreclosure, or in settlement of 

debU due the bank 7,400 77 

Other payments, via. : 

Insurance premiums advanced $48 60 

Payment of forged draft 160 00 

Liberty Bonds, Fourth Loan purchased for customers 82,700 00 
U. 8. THrift Stamps 17,284 60 

100,183 10 

Csih on hand and in. banks or trust companies December 31| 

1918, after transactions of the day 2,476,054 35 

$14,574,826 47 
STATISTICAL INFORMATION ===== 

Number of open accounta January 1, 1019 45,753 

Number of accounts opened or reopened during the year. . . . 5,746 

Number of accounts closed during the year 6,339 

Amount deposited during the year, not including dividends 

credited for that period $7,305, 271 05 

Amount withdrawn during the year 6,607,653 48 

Amount of dividends cre£ted and paid for the year, viz.: 

July 1, 1918 1424.20464 

January 1. 1919 432.042 16 

, 856,246 80 

Average amount of «ach account January 1, 1919 632 35 

Number of accounts whidi exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
ju<&cial salea, or trust funds, or by order of a court of record 

or of a surrogate 7 

Total amount of such accounts $26, 095 77 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Hate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $1 , 138, 144 38 

Total expenses of the bank for the year 1918 75,712 82 

Dividends paid to depositors for the year 1918 856,246 80 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 206, 184 76 



138 Report on Savings Banks 



52. PRUDENTIAL SAVINGS BANK, BROOKLYN 

[Broadway and Vernon avenue; incorporated 1908 J 



DIKTRICn W. KAATZE. President LEWIS C. GEFIRING. Treasurer. 

JOHN AUBII, Sr.. Vice-President. MOLLIS H. SEARLE8, Cashier. 

JOHN H. SCANNELL, Vice-President. LOUIS P. BUCK, AssisUut Cashier. 



TRUSTEES 

DIETRICH W. KAATZB, CHARI^S WI68MAN. CHAS. W. GANS. 

JOHN AUBR. Sr^ B. P. VAN BXINTHUYSEN, WM. J. ELI.IOTT. 

JOHN H. SCANN&LL, FREDERICK PAPE, JOS. VOLLKOMMBR, 

HKURERT A. O'BRIEN. MANASSEH MILLER. LOHTS P. BUCK, 

. FltANCIS B. MULLIN. AUGUST HASENFLUG, GEORGE P. BT^SOH. 

HOLLIS H. SEARLES, CHAS. VOLLMER, LEWIS C. GEHRINQ. 

FINANCIAL 
RESOURCES 

Bonds and mort^ges $2, 141 ,900 00 

Stodc and bond investments, riz. : 

Par Original Estimated 

Stocks and bondt value cost market value 

United States 1698.872 80 |590.467 20 $598,872 80 

State of Oklahoma 10.800 00 10,883 41 10,692 00 

Cities in other States 156,000 00 163,968 16 160,069 60 

Cities in this State 44,304 88 44.155 60 44.198 01 

Counties in this State 1, 000 00 1. 000 00 1. 010 00 

Towns in this State 77.050 00 80,104 27 79,278 75 

Villages in this State 127, 479 20 127, 986 44 128, 702 79 

Railroad mortgage bonds. . . . 431, 500 00 436. 867 72 421, 490 00 

11. 447. 006 88 $1. 466. 411 79 |1, 444, 813 85 
»,»»»„ »,,»»»»»i «_»,.««. .1,444,313 85 

Promissory notes 4, 760 00 

Other real estate, book value, $24,038.S3; cost, $24,038.83; 

actual cash value 24,038 83 

Cash on deposit in banks or trust companies 356,555 09 

Cash on hand 50,970 69 

Total of collectible interest 31|235 15 

Amount of all other assets, viz.: 

Interest accrued on real estate contracts |800 00 

Insurance premiums advanced 48 25 

U. S. Thrift Stamps 127 20 



975 45 



$4,054,739 06 



LIABILITIES 

Amount due depositors, viz.: 

Principal $3,846.715 71 

Dividends credited or to be credltrd for the six 

months ending with December 31, 1918 66, 948 37 

$3,913,004 08 

Other liabilities, viz.: Deposits on contracts, sale of real estate 1,130 22 

Surplus on maiioet value 139, 944 76 

$4,054,739 06 

Surplus on par value, $142,637.79 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cosh on hand and in banks or trust companies January 1, 

1918, before transactions of the day $290,809 43 

From depositors, not including dividends credited 1,724,867 14 

From interest on loans, deposits and investments 194,276 83 

From rents from other real estate 1 ,348 05 

From mortgages 71 ,050 00 

From redemption of stocks and bonds 102, 982 00 

From stocks and bonds sold (k)tal par value, $445,310.64) .. 449,455 46 

From loans paid 1 ,700 00 

From real estate sold 56,881 40 



Kings County 189 



From all other Bourcea, tiz.: 

Insurance premiums advanced* refunded 180 80 

Profit on real estate and bonds sold 1,72135 

Prom receiver ot foreclosed real estate 45 74 

Deposits on contract real estate sold 1, 415 46 

U. 8. War Savings and Thrift Stami>8 sold 10, 268 80 



$13,477 15 

$2,906,847 46 

PATMBNTS 

To depositors, including dividends paid to them $1 ,289, 486 68 

For loans on bonds ami mortgages 107 ,650 00 

For loans on stocks and bonds and other securities 6* 450 00 

For stocks and bonds (purchased, including premiums, commis- 
sions, etc. (total par value, $1,000,198.56) 998, 502 21 

For interest (other than dividend payments to depositors).. 6,072 86 

For current expenses of the bank, viz.: 

For salaries 110,827 81 

For taxes: Surplus 778 45 

For expenses, except taxes, of banking house : 

Repairs 145 20 

Insurance 14177 

Other 819 12 

For rent of banking rooms 7,200 00 

For expenses of other real estate, vis. : 

Repairs 646 52 

Taxes 176 13 

Other 5000 

For other expenses, not including expenses of otlier 
real estate nor other expenses of banking house.... 1,765 68 

22,649 62 

For real estate acquired by foreclosure, or in settlonent of 

debts due the bank 54,687 30 

Other payments, viz.: 

T^es on real estate sold ; real estate contract closed 

out 1786 24 

r. 8. War Savings and Thrift Stampa 13,108 72 

Insurance premiums advanced 79 06 

13,923 01 

Gash on hand and in banks or trust companies December 31, 

1918, alter transactions of the day 407,625 78 

$2,906,847 46 



STATISTICAL INFORMATION 

Xomher of open accounts January 1, 1919 10,058 

Number of accounts opened or reopened during the year 2,144 

Number of accounts closed during the year 1,573 

Amount deposited during the year, not including dividends 

credited for that period $1,724,867 14 

Amount withdra^wn during the year 1 ,289, 486 68 

Amount of dividends credited and paid for the year, viz.: 

Jolyl, 1918 163,405 69 

January 1, 1919 66.948 37 

130,354 06 

Average amount of each account January 1, 1919 389 11 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $190, 376 60 

Total expenses of the bank for the year 1918 22,639 43 

Dividends paid to depositors for the year 1918 130, 354 06 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 37, 383 11 



140 Repoet on Savings Bahkb 

fiS. THB SOUTH BKOOKLTH SATINQS INSTITUTION, BBOOKLYN 
[ItO-lCl AtUnUc KV«DU«; iDcorportttll UEl] 
WILLIAU J. COOUBS, ITealdent. CLARBXCU B. DL'XNINQ, Trcasnrer. 

WALTUe U. AIKUAK, VlCe-PreBldent JACOB ti'i'ElNEU, ConiptroJler. 
ALBRU J. NEWTUN, Vlce-Prcddeot. BUBNAUU A. UUHGKit, Becratarv, 

JOHN J. l-XEItRKrOST. Vlee-lTeildent 
TRUSTEES 
PEBCI B. UALLICTT, HENRY N. WHITNET, 

BUUAB klCDONALU, JOHN T. UNDEUWOOD, 

AUIUO J, NEWTON, D. IKVINO UK.\U. 

WILUAU U NEWTON, ARNOLD W. SHERMAN, 
JOHN J. PIERKEPONT, BEBKARU A. BUKUEU. 
ROBT. L. PIERBBPOS'T, JiiSIAH O I^W. 
JACOB 8TEINEH. 
JOSEPH U. BUTFHIN, 

FINAKCIAL 

BE&OURCES 

Bonds and mortgages 910,786,675 00 

Stock and bond inveBtmenta, vie.: 

Par Orlgioal Entlmated 

Stoelii anil tondt value coxt market ralue 

United States |4, ESI, 450 DO KiSI.4G0 00 H.IGI.IGODO 

State of New York 400, (WO 00 41S,5S: EO 4i:,Doa OD 

Slate of Matyland 7S.0OO OO 7G,STS 00 T4,2») 00 

Stale 4ir MlBBOurl 21,000 00 SO, 410 11 20,030 00 

Slate of Tenn«HBee iOO.OOO {« in,B2S TB 19g,g0tl 00 

Clllea In other Slates 1.7tt,\2a 00 i,B39,690 01 B. 730, 935 00 

Cities In this SUtP 4,800,30000 4,W7.73G 7T 4.711,02076 

Counties In thin Btate 8K,m]00 SlS.»gZ 47 30!.U3 &a 

Towns In this Btste 13,000 CO 13.882 50 12,870 00 

Villages In this State lie.OOO OO 120,292 S4 lia,8S0 OO 

School dIstHcts In thlH Ruie n. 000 00 ao.SR 40 29.Gffi oo 

Railroad mortgage bonds.... 4,5»6,ooooo 4,git,3ei e9 3,ug,2io oo 

117,551,570 00 lis, OSS, 42G 90 110,816.753 » 

■ ■ — =.= la. 816. 753 2S 

Promissory notes 6,000 00 

Banking Iioub« and lot, book value, S76,0OO; coat, $1SS,000; 

actual cash value 76,000 00 

Other real estate, book value, $157,250; cost, fl80,058.59i 

actual cash value 157,250 00 

Caah on deposit in bonks or trust companies 1,806,271 84 

Cash on hand 78,870 00 

Total of ooUectible interest 343,009 25 

»30,O70,e20 34 

LIABILITIES 

Amount due depositors, viz.: 

Principal KX.tX.m n 

DiTldends credited or In be credltnt for the sli 

months endiuK with Decanber n, UU 481, Ml ST 

$26,717,920 59 

Other liabilities, via.: 

Liberty Bond depoelti tl<:,207 11 

l>e|KMlt on contract, sale a( real estate EOO DO 

162,767 11 

Surplus on market value 3,180,941 64 

$30,070,629 34 
Surplus on par value $3,924,758.39. - 

CASH TBAN>aACTIONR DURING THE YEAR 1919 

RECEIPTS 
Cash on hand and in banks or tniat companies January 1, 

191S, before tranaactiona of the day $3,138,210 29 

From depositors, not including dividends credited 6. 135.097 2& 

From interest on loans, depoaita and investments 1 . 273 , 166 68 

From rents frran banking houne 915 00 

Pnan rents from other real estate 21 .288 61 

From mortgages 418.760 00 

From redemption of stocks and bonds 3,968, 150 OO 

From stocks and bonds sold (total par v«lue, $1,583,300) . . 1,083,300 00 



EaNOS County 141 

From loans paid $1 ,000 00 

From real estate sold 44,460 00 

From all other sources, viz.: 

Liberty Bond installments from snbscribers $886, 691 SB 

Bvapense account, adjustment of cash over and 

BUort 270 00 

Proflt sale of ** other real esUte" 660 00 

Collected on deficiency Judgment 1,823 36 

Deposit on land contract 600 00 

388.334 70 

$16,967,672 45 
PAYMENTS ===== 

To depositors, including dividends paid to them $6,277,577 03 

For loans on bonds and mortgages 67, 250 00 

For loans on stocks and bonds and other securities 7,000 00 

For stocks and bonds ipurchased, including premiums, commis- 

■iouB, etc (total par value, $8,352,500) 8,352,703 31 

For interest (other than dividend payments to depositors) .. 6,060 84 

For current expenses of the bank, viz.: 

FVir salaries 168,076 82 

For taxes : Banking house, |1,825.85 ; surplus, $27,- 

742.40; on mortgages, 1240.00 26.806 26 

F^r expenses, except taxes, of banking house : 

Repairs 083 34 

Other 4,884 26 

IV>r expenses of other real estste, viz. : 

Repairs 6,962 46 

Insurance 4M 38 

Taxes 8.427 14 

Other 8,706 88 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 26.888 39 

130,810 92 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 0,042 29 

Otker payments, vie : 

Liberty Bond installments payments completed.... |223,424 24 

Mosnense account, adjustment cash over and short. . 481 00 

Deposit on land contrsct transferred to " other real 
estate" account; adjustment errors in depositor's 
secount 161 96 

224,057 22 
Gash on hand and in banks or trust companies December 31« 
1918, after transactions of the day 1,885,141 8 4 

$16,967,672 45 
STATISTICAL INFORMATION = 

Number of open accounts January 1, 1919 37,405 

Kinnber of accounts opened or reopened during the year .... 5 , 587 

Number of accounts closed during the year 7, 051 

Amount deposited during the year, not including dividends 

credited for that pericKi $6,135,007 22 

Amount withdrawn during the year 6,277,577 03 

Amount of dividends credited and paid for the year, viz.: 

Julv 1. 191S 1488,081^4 

January 1, 1819 482.601 37 

980,682 41 

Average amount of each account January 1, 1919 714 29 

Kate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and dlscmints $1,299,718 75 

Total eanpenses of the bank for the year 1918 177,503 76 

DnidendB paid to depositm-s for the year 1918 980,682 41 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 141,532 58 



142 Report on Savings Banks 

64. BUHNER SAVINGS BANK, BROOKLYN 

[12 Grabam avcnne; Incorporated 1906] 

ARTHUR R. POMRRS. Profildent. JOHN D. H. SCHUI/Z, Vice-President 

NATHAN S. JONAS, Vlce-Preaident. WALLACE U CONNER, Secretary. 

TRUSTEES 

NATHAN S. JONAS, HENRY NEWMAN. CHARLES A. GORMAN, 

RALPH JONA8, BENJ. H. ROTH, WALTER GRETSCH. 

EDWARD LAZANSKT, ARTHUR S. SOMERS, JOHN D. H. SCHULZ. 

BEN. J*BVY. VICTOR B. WOLF, EUGENE T. TROTTER. 

CHA8. LYON. MORES BERNSTEIN, B. 8. POWELL, Jr.. 

MATTHEW T. MEAGHER, CARL BAUER, LOUIS CHARLES WILLS. 

8. B. KRAUS. GEORGE W. BAKER. 

FINANCIAL 
RESOURCES 

Bonds and mortgagee $609. 875 00 

Stock and bond investments, viz. : 

Par OrlRtnal Estimated 

Btocka and hondt vnhie cost market value 

United States $318. 417 68 |317, 960 ng $318. 417 08 

State of New York 5.000 00 5.050 OO 6.050 00 

Cities in this State 118.000 00 114,986 87 114.210 00 

Railroad mortgage bonds 346,000 00 310,531 25 290,700 00 



1786, 417 68 |754. 528 80 |728, 377 68 



728,377 68 

Cash on deposit in banks or trust companies 83 , 5$>8 33 

Cash on hand 22, 140 21 

Total of collectible interest 11,930 74 



$1,455,927 90 

LIABILITIES 

Amoimt due depositors, viz.: 

Principal 11,406,241 08 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 23, 614 61 

$1,429,855 54 

Other- liabilities, viz. : Expenses incurred, but unpaid, rent .... 625 00 

Surplus on market value 25,447 42 

$1,455,927 96 

Surplus on par value, $83,487.42. 

CASH TRAXSACTIOXS DURING THE YEAR 1918 

RECEIPTS 
CsAh on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 14, 812 08 

From depositors^ not including dividends credited 773,860 72 

From interest on loans, deposits and investments 62,094 98 

From rents from banking house 285 00 

From mortgages 26 , 125 00 

From redemption of stocks and bonds 130,000 00 

From stocka and bonds sold (total par value, $153,800) 153,800 00 

From all other sources, viz.: 

Liberty Bond payments by sulMcribers $18, 603 00 

Profit bond subscription cancellations ; tellers' ca«h 
over; error and refund 890 47 

Insurance premiums advanced, refunded 171 24 



19,664 71 



$1,280,648 49 



Kings CoimTT ] 143 

PAYMENTS 

To depoflitors, including diTldends paid to them $607, 873 29 

I>Dr stocks €ind bonds jMirchased, including premiums, commis- 
sions, etc. (total par value, $528,017.68) 549,261 93 

For interest (other than dividend payments to depositors) . . 1,557 21 

For current expenses of the bank, viz.: 

For salaries 16,138 81 

For expenses, except taxes, of banking house: 

Repairs 810 32 

Insurance IR 20 

For rent of banking rooms 1,875 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 3,680 00 

11,013 83 

Other payments, viz.: 

Liberty Bonds purchased for subscribers $4, 450 00 

Insurance premiums advanced 199 84 

Tellers* cash short ; refunds bond subscription can- 
cellations 647 85 

6,197 69 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 105, 744 54 

$1,280,648 49 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 5 , 192 

Number of accounts opened or reopened during the year 3. 115 

Number of accounts closed during the year 2,767 

Amount deposited during the year, not including dividends 

credited for that period $773,866 72 

Amount withdrawn ourinff the year 607 , 873 29 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 >22,35500 

January 1, 1919 23,614 61 

45,969 51 

Average amount of each account January 1, 1919 275 39 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
judicial sales, or trust funds, or by order of a court of record 

or of a surrogate 8 

Total amoimt of such accoimts $26, 900 65 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $63,572 65 

Total expenses of the bank for the year 1918 11.638 83 

DividendB paid to depositors for the year 1918 45,069 51 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 5 , 964 31 



144 



Report on Savings Banks 



68. THS WILLIAMSBUSOH SAVINGS BANK, B200KLTN 

[176 Broadwmj; Inoorponted UU] 

ANDREW D. BATRD, President. EDWARD T. HORWILU Secretanr. 

adJIUEL M. MEEKER, Vice-President. CHARLES J. PASPIELD, Casbler. 

JOHN V. JEWELL. Vice-President. UBNUY R. KINSEY, AMt. Comptroller. 
VICTOR A. LBRSNER. ComptroUer. 



TRUSTEES 



ANDREW D. BAIRD. 
HAMUKL M. MEBKKR, 
JAMES H. POST. 
JAS. F. BBNDERNAGEL 



JOHN V. JEWELS 

EDWARD T. HORWILL, 

ALFRED ROMBR. 

.. ^».,^».».,<.x.«.^ WELDING RING, »^^« » ». x.«»>.^^, 

WIXTHROP M. TUTTLB. HERBERT F. QI/NNISON, FRANCIS W. YOUNG. 
FREDERICK D. MACKAY 

FINANCIAL 



PAUL B. BONNER. 
EDWARD B. PEARCE, 
ALBERT S. RICHBY, 
RALPH H. TIEBOUT. 



RESOURCES 



Bond« and mortgages 

Stock and bond investments, viz.: 

Par 
Stoekt and bondt value 

United States |8.926,7B0 00 

State of New York 1.086,760 00 



$40,743,975 00 



State of 
Cities In 
Cities in 
Counties 



100.000 00 
429,000 00 
219,000 00 
46.200 00 
636,000 00 
100,000 00 



State of Arizona. 
State of Massachusetts. 
State of New Mexico... 

State of Oklahoma 

State of Tennessee 

Utah 

other States 12. 617. 000 00 

this State 18,428.266 69 

in this State 2n,076 00 

Towns in this State 258,250 00 

Villages in this State 128,000 00 

School districts in this SUte 41,600 00 
Railroad mortgage bonds.... 4,638,968 00 



Original 

cost 

^,926,760 00 

1,718,477 64 

101.069 CO 

460.303 46 

226,769 79 

46,836 99 

667,967 96 

103,760 00 

18,270.220 62 

14,636,296 40 

286, &76 07 

262,661 72 

126.547 69 

43,368 98 

4.942.118 02 



Estimated 

market value 

18.925.750 00 

1,668.826 25 

102,000 00 

890,390 00 

231.030 00 

45.738 00 

667.400 00 

102,000 00 

12.427.83100 

18.382.401 42 

281.280 38 

259,332 60 

124,270 00 

42,122 60 

4,868,972 48 



143,400,769 69 $46,807.708 34 $43,009,344 63 



43,009,344 53 
6,033 00 



250,000 00 



Promissory notes 

Banking house and lot, book value, $250,000; cost, $689,000; 

actual cash value 

Other real estate, book value, $149,562.66; coat, $155,880.36; 

actual cash value 149,562 66 

Cash on deposit in banks or trust companies 3,702,811 98 

Cash on hand 513,035 63 

Total of collectible interest 791,509 64 

Amount of all other assets, vix.: 

Insurance on bonds and mortgages $1,953 65 

Canaseraga Creek improvement 27,964 47 



$95,196,190 56 
LIABILITIES 

Amount due depositors, viz.: 

Principal $81,181.465 72 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 1, 521. S67 66 

$82,703,023 38 

Other liabilities, viz. : Liberty Bond depoftita 392,275 00 

Surplus on market value 12, 100, 892 IS 



$95,196,190 56 
Surplus on par value, $12,492,307.24. : 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $5, 928,878 16 

From depositors, not including dividends credited 16,994, 192 46 

From inter^t on loanfl, deposits and investmeota 4 ; 220 1 681 50 



Kings County 145 

From rents from other real estate $14 , 1 IS 69 

From mortgages • 1 » 086» 897 00 

From redemption of stocks and bonds 3,545,208 33 

From stocks and bonds sold (total par value, $1,945^00) ... 2,057,706 25 

From loans paid 6, 500 00 

From real estate sold 30,240 80 

From all other 'sources, viz.: 

Liberty Bond payments by sabscribers $2,729,758 00 

iDsarance premiums adyanced, refunded 2,721 56 

Inspection of mortgage loans 208 00 

2,732,748 55 

$36,624,165 74 

PATMExra — 

To depositors, including dividends paid to them $17*960,332 86 

For loans on bonds and nKnlgages 1 ,032,247 00 

For loans on stocks and bonda and other securities 11,533 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $12,961,500) 12,961,500 00 

For interest (other than dividend payments to depositors) . . 25,188 20 

For current expenses of the bank, viz.: 

For Mlartes 1146,518 18 

For taxes: Banking bouse, |9,349.73; surplus, |98,- 

545.07 107,8M 80 

For expenses, except taxes, of banking bouse: 

Repairs 8,094 86 

Insurance 80 70 

Other 3,807 97 

For expenses of otber real estate, vis. : 

Repairs 27,105 98 

Insurance 959 67 

Taxes 6,925 78 

For other expenses, not including expenses of other 
real estate nor otber exx>en8es of banking bouse.. 72,739 04 

369,726 96 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 23,658 82 

Other payments, viz.: 

Ube-rty Bond payments for subscribers $22,088 00 

Insurance premiums advanced 2,500 74 

Casbshort 617 56 

25,131 29 

CsFh on hand and in banks or trust companies December 31, 
1918, after transactions of the day 4,215,847 61 

$36,624,165 74 
STATISTICAL INFORMATION — 

Number of open accounts January 1, 1919 112,998 

Number of accounts opened or reopened during the year. . . . 12,820 

Number of accounts closed during the year 12, 335 

Amount deposited during the year, not including dividends 

credited for that period $16 ,994 , 192 46 

Amount withdrawn during the year 17,969, 332 86 

Amount of dividends credited and paid for the year, viz,: 

July 1, 1018 $1,619.968 00 

January 1. 1919 1,521,567 66 

3,041,525 66 

Average amount of each account January 1, 1919 731 89 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amorttKation of premiums and discounts $4, 130,038 95 

Total expenses of the bank for the year 1918 450, 847 48 

Dividends paid to deixtsitors for the year 1918 3,041,525 06 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors ,,,,,,,,,,,,,,..,.,,,,,,.,,,,,,,,,,, 637,665 81 



MADISON COUNTY 



Se. ONEIDA SAYINGS BANK, ONEIDA 
[108-106 Main street; Incorponted U06] 

KT7GENB E. COON. President. IRA U SNELL. Vice-President 

HARRISON W. COLEY, Vice-President. H. L. BALDWIN, Treasurer. 

TRUSTEES 
EUGENE B. COON, HARRISON W. COLBY» HOWARD h. BALiDWIX, 

IRA L. SNBLL. JOHN W. GRBOO. ' RHODT TOHER. 

THEO. F. HAND, GEO. A. MARCBLLU8. FREDERICK A. GARVIN. 

HOLTON V. NOTES, ANTHONY B. MUNBOB, WALCOTT D. BARTLETT. 

B. LELAND HUNT, WlLXJAJl M. BALLARD. 

FINANCIAL 
RESOURCES 

Bonds and mortgages 12,331 ,146 71 

Stock and bond investments, viz.: 

Par Original Bstimated 

Stocks and hond$ valne cost market value 

United States 1254.360 00 9264.350 00 |264,85000 

Cities in other States 226.000 00 229.306 46 220.640 00 

Cities in this State 376,407 60 388,316 48 368,39046 

Counties In this State 132.000 00 134,344 80 129,830 00 

Towns in this State 3.500 00 3.500 00 3,326 00 

Villages In this State 126.800 00 129.297 68 124,654 00 

School districts in this State 71.125 00 74.186 97 71.830 00 

Railroad mortgafire bonds.... 432. GOO 00 440,689 25 361,020 00 

n. 621, 242 60 %1, 653, 991 63 |1, 624, 039 46 

— — -— — 1,524,039 46 

Banking house and lot, book value, $28,000; cost, $54,351.61; 

actual cash value 28 , 000 00 

Other real estate, book value, $24,692.90; cost, $26,322.04; 

actual cash value , , 24. 602 90 

Cash on deposit in bank» or trust companies 198,315 12 

Caah on hand 56, 641 35 

Total of collectible interest 81 , 363 52 

Amount of all other assets, viz.: 

Land contracts 112,281 44 

Influrance premiums and taxes advanced 263 14 

Liberty Bonds 28,444 00 

41,088 58 



$4,285,187 64 



LIABILITIBS 

Amount due depositors, viz.: 

Principal $3,863,899 52 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 74, 426 38 

$3,938,324 84 

Other liabilities, viz. : Mortgage suspense 277 46 

Surplus on market value 346, 585 34 

$4,285,187 64 



Surplus on par value, $443,788.48. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on h«nd and in banks or trust companies January 1, 

1918, before transactions of the day $293,597 61 

From depositot-s, not including dividends credited 962,000 96 

From interest on loane, deposits and investments 194,769 93 

From rents from banking house 616 90 

From rents from other real estate 2, 112 75 

From mortgages 152,471 65 

From redemption of Btodcs and bonds 88,970 95 

From real estate sold 4, 947 31 

[146] 



Madison County 147 

Fram all other sources, viz. : 

Llbnty Bond paymentB by subscribere $241, MO O 

Mortgage sospeDse account 6,319 79 

Psyments received on land contracts 2,814 06 

Insurance preDiluma and taxes advanced, refunded 593 97 

Suspense; profit and loss 1,371 51 

$251,989 95 

$1,951,543 91 

PAYMENTS 

To depoeitors, including dividends paid to them $1, 170,937 62 

For loans on bonds and mortgages 70,971 54 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (totaJ par value, $100,900) 190,900 00 

For interest (other than dividend payments to depositors) . . 425 10 

For current expenses of the bank, viz.: 

For stlsrles $8,132 00 

For taxes: Banking boose, 9967.32; sarplns, 13,092.01. 4,069 36 

For expenses, except taxes, of banking bonse: 

Repairs 836 31 

Insurance 198 35 

Other 1,453 13 

For expenses of other real estate, vis. : 

Repairs 1,689 79 

Insurance 162 25 

Taxes 854 79 

Other 69 OB 

For otho* expenses, not including expenses of other 
real estate nor other expenses of banking Iwose.. 2,113 18 

19,498 18 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank -2,406 31 

Other payments, vis. : 

Liberty Bond accounto 1228,047 39 

Mortgage suspense account 6,266 04 

I^Dd contracts 5,300 00 

iDsnrance premiums and taxes advanced 604 76 

Sospeose; profit and loss 1,140 61 

241,358 69 

Cub on hand and in banks or trust ciHupanies December 31, 

1918, after transactions of the day 254, 956 47 

$1,951,543 91 

STATISTICAL INTOKMATION 

Xumber of open accounts January 1, 1919 9,674 

Number of accounts opened or reopened during the year. .. . 1,467 

Xumber of accounts closed during the year 1,486 

Amount deposited during the year, not including dividends 

credited lor that period $962, 066 96 

Amount withdrawn during the year 1 , 170,037 62 

Amount of dividends credited and paid for the year, viz. : 

July 11918 175,842 04 

January 1. 1919 74.426 32 

Credited at other periods 1,187 91 

151.455 27 

Average anuHUit of each a^oount January 1, 1919. 407 10 

Hate per cent, of dividends to depositors during the six months 

eoding June 30, 1918 4 

lUte per cent, of dividends to depositors during the sir months 

ending Deconbcr 31, 1018 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $206,602 41 

Total expenses of the bank for the year 1918 19,498 18 

Dividends paid to depositors for the year 1918 151, 455 27 

Ket earnings for the year 1918 over expenses and dividends 

paid to depoeitora 35,648 96 



MONROE COUNTY 



67. THE EAST SIDE SAVINGS BANK OF ROCHESTER, ROCHESTER 

[233 Main street, Eut ; Incorporated ISO] 

W. HENRY MATHEWS. President. ALEX. B. LAMBERTON. Vlce-Pret. 

WILLIAM BAUSCH, Vice-President. AUSTIN C. JACKSON. Traamxrer. 

TRUSTEES 

CASSIUS C. DAVT, WILLIAM BAURCH. V. F. WHITMORE, 

W. HENRY MATHEWS. FRANK A. BROWNBIX, JOHN H. ENGBRT. 

ALEX. B. LAMBERTON, CHARLES A. GREEN. CIIAS. H. OCUMPArOII, 

AUSTIN C. JACKSON, WILLIAM H. DUNN. FRED*K A. SHERWOOD. 

FINANCIAL 
RESOURCES 

Bonds and mortfrages $10,265,998 00 

Stock and bond investmentSi viz.: 

Par Original Estimated 

Btoeks and honds value rofit market value 

United States |1, 917, 6A0 19 |1. 817, 5(X> 19 |1. 817. 660 19 

District of Columbia 100.000 00 81,17125 101.000 00 

State of Mnssach usetts 150. 000 00 158. 269 60 135. 000 CO 

State of Wyomloi; 5.000 00 6.860 00 5.650 00 

State of Alabama 100.000 00 106,800 00 98.00000 

State of Maryland 200.000 00 198.38090 198.00000 

Cities in other States 102. 000 00 100. 980 00 96, 340 00 

Cities In this State 2.509,760 00 2.544.599 OQl 2.451.976 70 

Railroad mortgage bonda.... 400,000 00 406.312 50 836.000 00 

16, 384, 320 19 |6, 420. 913 44 |5, 238, 626 88 

— — — — — - 5,238,536 89 
Banking house and lot, book value, $120,000; cost, $120,- 

350.81 ; actual cash value 120,000 00 

Other real estate, book value, $866.22; cost, $666.22; actual 

cash value '. 666 22 

Cash on deposit in banks or trust oompaaies 888,527 76 

Cash on hand 69,858 69 

Total of collectible interc-t 147,841 74 

Amomit of all other assets, viz.: U. S. Thrift Stamps 1,209 00 



$10,732,628 30 

LIABILITIES " 

Anoount due depositors, viz. : Principal $15,714,389 02 

Other liAbilitiee, viz.: 

Liberty Bond deposits 1173.4(18 66 

Dividends accrued on deposltR to January 1, 1919.... 48,426 73 
Expenses Incurred, but unpaid, taxes accrued 9.353 15 

231,183 64 

Surplus on market value 787, 055 74 

$10,732,628 30 
Surplus on par value, $932,849.04. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before tratisactions of the day $t , 123,665 1 1 

From depositors, not including dividends credited 4,822,424 03 

From interest on loniK. deposits and investments 738.243 16 

From rent* from banking house 5,764 00 

From mortgages 318.021 00 

From redemption of flrtocks and bonds 793, 882 05 

From stocks and bonds sold (total par value, $818,731.18) ... 818,731 18 

[U81 



MONBOE CoUKTY 149 

From all other sources, viz.: 

liberty BoDd payments by sabscriben $450,213 11 

iBiorance premium advanced, refunded ; expense 

iton refunded 71 13 

r. & ThrUt 8Umps aold 3,694 25 

$453,878 49 

$0,074,609 02 
PAYMES'TB = 

To depomtors, including dividencU paid to them $4,611,910 50 

lor loans on bonds and mortgages 411, 560 00 

For stocks and bonds purchawd, including premiums, commis- 

uoos, etc (total par vahio, $2,736,611.37) 2,736,622 00 

For interest (other than dividend payments to depositors) .. 3»430 20 

For current expenses of the bank, vis. : 

For salaries 127.327 32 

For taxes : Banking house 14,632 $6 

For expenses, except taxes, of banking house : 

RepAtrs 312 30 

Insurance 716 71 

Other 5,©8 30 

For expenses of other real estate, vis. : 

Repaln 24170 

Ittsorance 128 70 

For other expenses, not Including expenses of other 
real estate nor other expenses of bsnklng house.. 19,205 96 

68.363 05 

For real estate acquired by foreclosure, or in settlement of 

debU due tiie bank 666 22 

Other payments, viz. : 

Wltbdrawsls from Liberty Bond accounts |278, 774 04 

r. 8. Thrift Stamps 4,808 26 

Tdlers* suspense account charged off 93 32 

283,670 61 

Cash on hand and in banks or trust companies December 31, 
1918, after ti«nsactions of the day 958,386 45 

$9,074,600 02 
STATISTICAL INFORMATION — 

Xumber of open accounts January 1, 1919 47,578 

Number of accounts opened or reopened during the year.... 7,831 

Xumber of accounts closed during the year 9,383 

Amount deposited during the year, not including dividends 

credited for that period $4,822,424 03 

Amount withdrawn durin|^ the year 4,611 , 910 50 

Amount of dividends credited and paid for the year, viz. : 

June 1, 1918 $284,285 59 

December 1. 1918 286,80135 

Credited at other periods 5.888 30 

576.975 24 

Average amount of each accoimt January 1, 1919 330 28 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accounts, or 

jwticial sales, or trusts funds, or by order of a court of record 

or of a surrogate 1 

Total amount of such accounts $3, 120 69 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

endwg December 31, 1018 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiiums and' discounts $735 , 556 22 

Total expense of the bank for the year 1918 08. 688 95 

IMvidends paid to depositors for the year 1918 578,939 83 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 87,927 44 



160 Report on Savings Banks 

58. MECHANICS SAVINGS BANK, KOCHESTER 

(18 Exchange itreet; incorporated 1867] 

ADBLBERT P. LITTLE. President. WILMOT CASTLE. Treasurer. 

WILLIAM R. SEWARD. Vice-President. FEDOB WILLIMEK, Asst. SccreUry. 

WILLIAM B. HALE, Vice-President. 

TRUSTEES 

JOHN J. BAUSCH. WENDELL 7. CURTIS, JOHN 8. BRONK. 

ADELBERT P. LITTLE, WILLIAM KARLB, CHAS. C. BEAHAN, 

WILLIAM R. SEWARD. WILLIAM B. HALE. MORRIS D. KNAPP, 

LOUIS J. ERNST. WILMOT CASTLE, GEORGE W. ROBESON, 

JAMES H. BOUCHER, JAMES T. HUTCHINGS, JAMES C. CLEMENTS. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $3,425,950 00 

Stock and bond investments, viz.: 

Par Original Estimated 

8toek9 and bond* vahie cost market value 

United States $809.26000 |809,004 00 $809.098 00 

State of Masaacliusettfl 16. 000 00 12. 796 50 12. 000 00 

aties in other States 180.000 00 182,168 91 177.000 00 

Cities in this State 601.500 00 608.623 19 471.572 50 

Counties in this State 35,000 00 . 36. 964 86 36. 000 00 

Villages in this State 62. 000 00 63. 762 70 63, 625 00 

School districts in this State 66.760 00 68.380 32 67.560 63 

Railroad mortgage bonds.... 676,000 00 667.517 40 652,860 00 

$2. 343, 500 00 $2. 349. 297 88 $2. 189. 716 13 

..___ _ 2,189,716 13 

Promissory notes 1,280 GO 

Banking house and lot, book value, $75,000; cost, $94,684.16; 

actuiU cash value 75.000 00 

Other real estate, book Talue, $6,222.59; cost, $6,222.59; actual 

cash value 6,222 59 

Cash on depoait in banks or trust companies 201 ,523 63 

Cash on hand 32,937 20 

Total of collectible interest 55, 812 35 

Amount of all other assets^ viz.: Taxes advanced 2,773 84 



LIABILITIES 

Amount due depositors, viz.: 

Principal $4,868.142 04 

Dividends credited or to be credited for the six 
months ending with November 30. 1918 96, 344 36 



$5,991,215 74 



Other liabilities, viz.: 

Dividends accrued on deposits to January 1. 1919 — $16,890 72 

Expenses incurred, but unpaid, taxes accrued 1.377 16 

Bills payable — Liberty Bond loans 700,000 00 



$4,963,486 39 



717.267 8S 

Surplus on nvarket value 310,461 47 

$5,991,215 74 

Surplus on par value, $464,245.34. .: 

CASH TRANSACTIOXS DUKING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $187,619 03 

From depositors, not including dividends credited 1,659, 134 SO 

From interest on loans, deposits and investments 264,777 86 

From rents from banking house 567 60 

From rents from other real estate 2 , 923 50 

From mortgages 119, 750 OO 

From redemption of stocks and bonds 39,307 65 

From stocks and bonds sold (total par value, $716,900) 716,900 OO 



MoNBOs County 151 

Fnmi loans paid $«t,000 00 

From real estate sold 47,000 00 

From all other sources, viz.: 

Liberty Bond loans, biUa payable |1,4»,000 00 

Taxes advanced, refunded 7,538 01 

lAnd contract 2,360 00 

Keceipto, sale of old material 8 00 

1.434,896 01 

$4,476,876 50 
PAYMENTS 

To depositors, including dividends paid to them $1,977,847 25 

For loans on bonds and mortgages 60, 200 00 

For loans on stocks and bonds and other securities 5,280 00 

For stocks and bonds purchased, including premiums, commis- 

sions, etc. (total par value, $1,002,550) 1,002,894 00 

For interest (other than dividend payments to depositors) .. 18,265 01 
For current expenses of the bank, viz.: 

For salaries |1».105 77 

For taxes : Banking honse, 11,674.88 ; surplus, $2,- 

754.33 4,329 16 

For expenses, except taxes^ of banking house: 

Repairs Ul 10 

Insurance 186 90 

For expenses of other real estate, vis : 

Insurance 176 00 

Taxes 1,301 03 

Other 107 00 

F6r other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 7,900 64 

33,216 60 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 7,610 90 

Other payments, viz.: 

Bills paysible, paid on Liberty Bond loans 11,130,000 00 

Taxes advanced 7,46048 

Error Christmas Club; cash short 141 43 

1,137.601 91 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 234.460 83 

$4,476,876 50 
STATISTICAL INFOEMATION = 

Number of open accounts January 1, 1919 18, 420 

Number of accounts opened or reopened during the year 11,566 

Number of accoimts closed during the year 8 , 709 

Amount deposited during the year, not including dividends 

for that period $1,659, 134 80 

Amount withdrawn during the year 1,977,847 25 

Amount of dividends credited and paid for the year, viz.: 

Jnne L 1918 197,163 36 

December 1, 1918 95,26192 

Credited at other periods 346 69 

192,771 86 

Avenge amount of each account January 1, 1919 216 17 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortixation of premiums and discounts $255, 473 64 

Total expenses of the bank for the year 1918 32, 190 09 

Dividends paid to depositors for the year 1918 192,771 86 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 30, 511 69 



152 Report on Savings Banks 

59. MONROE COUNTY SAVINGS BANK, ROCHESTER 

[8S-S5 State gtreet : incorporated 1850] 

JAMES B. BOOTH. President. ALEX. U. LINDSAY. VIee-Pres. 

KUFUS K. DBYKR, Vice-Pregident. WM. CARSON. Treasurer. 

FRANK C. FBNN, Cashier. 

TH.1 I8TF 15*8 

AMES E. BOOTH, WILLIAM B. LEH. MARTIN F. BRISTOL, 

0KU8 K. DUYER. PHAK. V. CBITTKVjDEN. JOSEPH MICH A KI.S. 

ALKX. M. LINDSAY. EDWARD BAUSCH, WM. A. HUBBARD. Jr.. 

CYRUS P. PAINE. WILLIAM CARSON, WILLIAM C. BARRY. 

aENRY A. STRONG. WILLIAM V. HAMILTON. 

FINANCIAL 
RESOURCES 

Bonds and mortgage* $17,800,756 18 

Stock and bond Investments, viz.: 

Par Original Estimated 

8toch9 and bonds value cost marliet value 

United States $1,992.250 00 12.010.76100 $1,905.622 00 

State of New York 500.000 00 G02.626 00 603.000 00 

State of Massachusetts 960. C^ 00 872. 260 00 SOS. OOO 00 

State of Tennessee 176.000 00 188.979 14 184.800 00 

Cities in other States 2. 310, 600 00 2. 387. 227 39 2. 237. 882 60 

Cities in this State 1. 648. 000 00 1. 616. 878 52 1. 488, 430 00 

Counties in this State 216.000 00 216,044 60 217,025 00 

Towns in this State 48. 000 00 49. 676 00 48. 240 00 

ViUafires in this Stnte 87.600 00 89,244 23 88.808 00 

Railroad mort«uge bonds.... 2,917.000 00 3.064.263 76 2.404,490 00 

$10, 144. 360 00 $10, 4M. 438 63 $9. 470, 687 60 

_=_«_ «__= _=_ 9,470.697 50 

Banking house and lot, bo<^' value, $100,000; cost, $100,000; 

actual cash value 100,000 00 

Other real estate, book value, $7,024.81 ; cost, $7,024.81 ; actual 

cash value 7,024 81 

Cash on deposit in- banks or trust companies 729, 726 89 

Cash on hand 271,975 42 

Total of collectible interest 603,223 27 

Amount of all other assets, vis. : U. S. Thrift Stamps 467 59 

$28,883,871 66 
LIABILITIES 

Amonitt due depositors, viz.: 

Principal $24,878,036 06 

Dividends credited or to be credited for the six 

months ending with December 81, 1918 492. 701 S3 

$25,370,737 41 

Other liabilities, viz.: 

Bills pevable and accrued Interest on same $1,301,396 86 

Dividends accrued on deposits to January 1. 1919 — 82.800 00 

Expenses incurred but unpaid — Taxes 12, 000 00 

1.396,196 86 

Surplus on market value 2, 116, 937 39 

$28,883,871 66 
Surplus on par value, $2,790,589.89. ====== 

CASH TRANSACTIONS DURING THE YKAR 1918 

RECEIPTS 

Cash on hand and in banks or tru«t companies January 1, 

1918, before transactions of the day $1,269,738 43 

From depositors, not including dividend* credited 6,083,034,84 

From interest on loans, dcpofiit^i ami invedtmeuta 1,337,878 50 

From rents from banking house 583 00 

From rents from other real estate 214 06 

From mortgages 436,425 68 

From redemption of stocks and bonds 192 ,600 00 

From stocks and bonds sold (total par value, $510,000) 503,750 00 

From real estate sold 18, 175 20 



MoNBOiB County 168 

Fnmi all other sources, Tis.: 

Bills pajable 1647,606 00 

Und contract 0,000 00 

Profit, bonds sold; fees 8,643 00 

r. 8. Thrift Sumps sold 2,488 61 

$659,636 62 

$9,602,036 23 
PAYMENTS — r- 

To depositors, including dividends paid to than $6,735,617 47 

For loans on bonds and mortgages 64, 676 00 

For stoclcB and bonds purchased, including premiums, commis- 
sions, etc (total par value, $876,700) 870,288 00 

For interest (other than dividend payments to depositors).. 40,688 64 

For current expenses of the bank, viz.: 

For ealarles 163,417 06 

For taxes: Banking house $4,326.89; surplus, HO,- 

T06.71 34,033 60 

For expenses, except taxes, of banking house : 

Bepalrs 1,787 74 

Insurance 442 48 

Other 974 37 

For expenses of other real estate, vis. : 

Repairs 00 87 

Insurance 106 71 

Taxes 114 66 

Other 81800 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 22,777 46 

104,031 33 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 22, 109 66 

Other payments, viz.: 

BUIs payable 1665,000 00 

Lorn on >tH>od8 and real estate sold 5, 293 69 

U. S. Thrtft Stamps 2,89<t 84 

Cash short 88 99 

663,223 83 

Cash <m hand and in banks or trust companies December 31, 

191S, after transactions of the day .1,001,702 31 

$9,502,036 23 

STATISTICAL INPOBMATION 

Xumber of open accounts January 1, 1919 36,289 

Number of accounts opened or reopened during the year .... 3 , 535 

Xumber of accounts closed during the year 5,788 

Amount deposited during the year, not including dividends 

credited for that period' $6, 083, 034 84 

Amount withdrawn during the year 6,735,517 47 

Amount of dividends credited and paid for the year, vix. : 

June 1, 1918 $496.298 69 

December 1, 1918 480,338 84 

Credited at other periods 13,227 06 

996,864 49 

Average amount of each account January 1, 1919 692 00 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortijsation of premiums and discounts $1 , 314,848 36 

Total expenses of the bank for the year 1918 154 , 330 24 

Dirtdends paid to depositors for the year 1918 995,864 49 

Net eaminfrs for the year 1918 over expenses and dividends .| 

paid to depositors 164,653 63 J 



154 Repoht on Savings Banks 

eo. ROCHESTBK SAVINGS BANK, BOCHBSTEK 

[47 Main street. West; incorporated 18S1] 

HAROLD P. BREWSTER. President. JOSIAH ANSTICR. Vice-President 

GRANGER A. HOLLISTER, Vlce-Pres. HENRT S. HANFORD. Treasurer. 
JAMES S. WATSON, Vice-President. CHARLES F. TURTON, Secretar/. 

TRUSTEES 

GRANGER A. HOLLISTER, THOS. W. FINUCANE, J. CRAIG POWERS, 

JAMES S. WATSON. HAROLD P. BREWSTER, WM. A. E. DRESCtlER, 

HIRAM W. SIBLEY^ GEORGE EASTMAN, EDWARD HARRIS. 

BRICKSON PERKII^S, JAMES G. CUTLER. DANIEL M. BEACH. 

JOSIAH ANSTICE, WILLIAM 8. MORSE, HENRY S. HANFORD. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $17,629,743 44 

Stoclc and bond investmentBi viz.: 

Par Original Estimated 

8toek9 and hond9 value cost market value 

United States 16.110,36000 16.106.412 60 $6,110,38000 

State of New York 100.000 00 101.750 00 101,000 00 

Sta te of M assa cbnset ta 150. 000 00 163. 312 50 136, 000 00 

State of Mississippi 100.00000 101.846 00 100.00000 

Cities in otiicr States 2.126,500 00 2.210.62143 2.076.340 00 

aties in this Stnte 2.310.100 00 2.381,743 67 2.285.960 00 

Counties in this State 288. 000 00 298, 436 49 280. 920 00 

Towns in this State 37,288 26 37,632 36 37,628 26 

Villages in this State 167,200 00 160.02179 167.064 00 

School districts in this State 60.560 50 62,802 22 60,697 60 

Railroad mortgage bonds. ... 6. 846, 000 00 7, 110, 827 44 6, 893. 060 00 



$18,284.998 76 $18,734.924 40 $17,236.899 76 

__ ,_=_ — ^=« .===_ 17,236,899 76 

Promissory notes 145, 380 74 

Banicing house and lot, book value, $200,000; cost, $449,- 

690.46 ; actual cash value 200,000 00 

Other real estate, book value, $8,135; coat, $8,135; actual cash 

value 8,136 00 

Cash on deposit in banks or trust companies 1, 625, 122 15 

Cash on hand 592,679 55 

Total of collectible interest 426, 154 98 

Amount of all other assets, viz.: 

Land contracts $26,646 06 

Taxes and insurance advanced 661 73 

27,296 79 



$37,791,412 41 
LIABILITIES 

Amount due depositors, viz. : Principal $31 ,073,438 14 

Other liabilities, viz.: 

Liberty Bond deposits $1,086.852 38 

Dividends accrued on deposits to January 1, 1919.... 100.166 67 

Reserve for taxes 14.600 00 

Bills paysble 8,100.00000 

Interest accrued Liberty Bond deposits and bills 

payable 69.663 07 

Insurance held pending settlement 600 00 

4,360,772 12 

Surplus on market value 2,357,202 15 

$37,791,412 41 
Surplus on par value, $3,405,301.15. ===== 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cafth on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 ,733,445 61 

From depositors, not including dividends credited 7,425,435 00 

From interest on loans, deposits and investments 1,442.336 35 

From rents from banking house 7,979 78 



MoNBOE County 155 

Fronr rents from other rieal estate $78 00 

From mortgages 398,677 00 

From redemption of stocks and bonds 3,330,293 23 

From loans paid 16,991 06 

From all other sources, viz.: 

Laod contracts, insurance and taxes, appraisal fees.. $3,100 77 
Insurance held pendlnir rebuilding — bills payable.. 5.599,280 09 

Liberty Loan account 8,91,685 56 

Cash short — forged check repaid, collections 512 00 

8,984,678 42 



$23,339,814 45 
PAYMENTS ===== 

To depositors, including dividends paid to them $6,608,961 34 

For loans on bonds and mortgages 614 ,200 00 

For loans on stocks and bonda and other securities 162,371 80 

For stocks and bonds purchased, including premiums, commds- 

siona, etc. (tolal par value, $7,322,300) 7,302,737 36 

For interest (other than dividend payments to depositors).. 1,786 14 

For mrrent expenses of the bank, via.: 

For salaries |76, 283 33 

For taxes : Banking house, $8,028.18 ; mrplus, |20,- 

801.61 38,828 80 

For expenses, except taxes, of banking house: 

Repairs 6,200 12 

InMirance 1,674 86 

Other 18,324 36 

For expenses of other real estate, tIi. : 

Insurance 8 80 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 26,488 77 

160,700 14 

For real estate acouired by foreclosure, or in settlement of 

debts due the bank 8,136 00 

Other payments, viz.: 

Land contmcts. Insurance and taxes, forged check.. 85,602 45 
Ca.9h differences, fraudulent check cashed, check 

lost : 2,216 42 

Bills payable. Liberty Loan accounts 6,866,414 11 



6,373,131 98 

Cash on hand and in banks or trust companies December 31, 
1918, after transactuma of the da.y 2,217,801 70 

$23,339,814 46 
STATISTICAL INFORMATION ===== 

Number of open accounts January 1, 1919 68,810 

Number of accounts opened or reopened during the year 12,499 

Number of accounts closed during the year 11,000 

Amount deposited during the year, not including dividends 

credited for that period $7,426,436 00 

Amount mthdrawn during the year 6,608,961 84 

Amount of dividends credited and paid for the year, viz. : 

June 1, 1918 1862,098 10 

December 1, 1918 678,645 86 

Credited at other periods 8,580 39 

1,144,324 34 

Average amount of each account January 1, 1919 461 68 

Rate per cent, of dividends to depositors during the six months 

ending May 31, 1918 4 

Rate per cent, of dividends to depositors during the six montha 

ending November 30, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $1 ,476, 603 48 

Total expenses of the bank for the year 1918 206.208 21 

Dividends paid to depositors for the year 1918 1,144,324 34 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 127,070 93 



MONTGOMERY COUNTY 



61. AMSTERDAM SAVINGS BANK, AMSTERDAM 

[11 DlTlsion street; Incorporated 1886] 
8. H. FRENCH, President. CHARLES B. FRENCH, Treunrer. 

JAMB8 T. SUCiDEN, Vice-President. TUOMA» MURPHY, Secretary. 
SEOSLY CONOVER, Vice-President. 

TRUSTEES 

8. H. FRENCH, W. BARLOW OUNLAP, NATHAN B. SMITH. 

BERNARD P. MACHOLD, JAMBS T. SUODBN, ROBERT J. LINDSAY, 

TiiOMAS MORPHY, C. VAN BUREN, W. C. SCHAUKLER, 

THOMAS MANSFIELD, CHARLES E. FRBNCH, JAMES A. HAYS, 

BEELY CONOVER, WILLIAM J. KLINE, THOMAS F. KENNEDY. 

FINANCIAL 

RESOURCES 

Bonds and mortgagee $3,638,361 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btock$ and lHind$ value cost market value 

United States 1533,000 00 1628.544 20 |528,600 00 

SUte of New York 75,000 00 81,726 00 81,760 00 

State of Wyoming 3.000 00 4,006 00 8,890 00 

State of South DakoU 20.000 00 20,000 00 20,000 00 

State of Oregon 25,000 00 23.75628 23.260 00 

StateofUtah 26,000 00 25,126 00 24,500 00 

Cities In other Statee 220.000 00 228,060 40 226,800 00 

Cities in this State 870. 165 12 88S. 697 82 862. 140 17 

Counties In this State 180, 000 00 182, 185 51 180, 660 00 

Towns In this State 44,200 00 44,519 20 43,960 00 

Villages in this State 230.302 65 238,085 72 229,048 31 

School dlstrlcU In this State 44,450 00 46.647 80 46,250 00 

Railroad mortgage bond)!.... 526,000 00 656,536 74 482.760 00 

12, 796, 107 77 $2, 865, 878 68 |2, 742, 883 48 



2,742,883 48 
Bankinff hottse and lot, book value, $38,000; cost, $104,391.66; 

actusu cash value 38, 000 00 

Cash on deposit in banks or trust companies 640,001 87 

Cash on hand 42,334 92 

Total of collectible interest 84 ,606 55 



$6,087,227 82 

LIABILITIES 

Amount due depositors, viz.: 

Principal 16,298,434 12 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 116, 335 86 

$6,413,760 37 

Surpliii on market value 573. 458 45 



$6,087,227 82 



Surplus on par value, $626,682.74. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $587,000 44 

From depositors, not including dividends credited 1,856,717 82 

From interest on loans, deposits and investments 200,920 04 

£1«6] 



M oaywuMk r Comm 15? 

From mortgages |245,000 00 

From redemption of stocks and bonds 458, 408 70 

From stodu and bonds sold (total par valae, $7,300) 6,020 38 

$3,464,076 38 



PAYMENTS 

To depoBitors, including dividends paid to them $1,410,800 53 

For loans on bonds and mortgages 101 ,200 00 

Eor stocks and bonds purchased, including premiums, comnyis- 

sions. etc. (total par value, $1,278,600) 1 ,264,584 71 

For interest (other than dividend payments ito depositors) .. 5,008 08 

For currant expenses of the bank, vis.: 

Pdr salaries 112.616 M 

For tsxes : Banking house 11,752.58 ; surplus, $5,293.01 ; 

on mortgages, $MM 7,396 09 

For expenses, except taxes, of banking bonse: 

Bcpalrs 210 61 

For other expenses, not Including expenses of other 

real estate nor other expenses of banking house.... 8,S16 41 

28,866 27 

Other payments, viz. : Profit and loss 250 00 

Cash on hand and in banks or trust companies Dec^nber 31, 

1918, after transactions of the day 583,296 79 

$3,454,075 38 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1019 15,436 

Number of accounts opened or reopened during the year.... 1,601 

Number of accounts closed during the year 1 , 458 

Amount deposited during the year, not including dividends 

credited for that period $1,856,717 82 

Amount withdraiwn during the year 1 ,410,869 63 

Amount of dividends credited and paid for the year, viz.: 

July 1, MM $109,911 56 

Jannaiy 1. 1919 116.336 26 

225,246 80 

Average amount of each account January 1, 1919 415 50 

Bate per cent, of divid^ids to depo;sitors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividenda to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortixation of premiums and discounts $300,845 08 

Total expenses of the bank for the year 1918 28, 866 27 

Dividends paid to depositors for the year 1918 225,246 80 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 46,732 01 



NASSAU covmr 



•3. SOStYR SAVINGS BANE OP KOSLYN, SOSLTH 
llDcoiporaUd IXJiJ 

TBOHAB MOTO', Preddcot FREDERICK B. WILLIT8, 

HBNRK U. W. 1U»TUAN, Vlcc-Prcaldent. IHICDEUIOK 12. DAVIH, »*cTeur]r. 
JOHN C. BAEKR, TiCe-PrcaldaBt. 

TRUSTEEB 

HEN'RY «, W. E.18TMAN 
THOU AS UOTT, 
JQ9I{P1I H. BOUART. 
FURU'K B. WILMTS, 
TH08. W. ALBBRTSON, 
PSBDERIOK C. HICKfl. 
nANrHL J. HEQBUAN, 
JOTRAM POST, 
8. T. RU8HU0RB. 



DANIEL 8. WOOI.LBT, 
BUdENB W. DENTON. 
ALFRED V. FHASliK, 
JAMES iriLLITS. 
nvnnf.K f. FMORT. 
BTIHUBBON U. POWSIX, 
Bc^ltULMAN WU^THbOP, 
J. W. K. VANDEWA'lEK. 



. 91,662,200 00 



atoek* and bonit value 

Doited 8UtM tlH.JSOOO 

"--—'"-"-■- .... to.ooooo 



State at Nei 

CltlM Id otber BtatM 

Cltlee In tbls SUte 

CoODtle* In ttaU State 

Towns In thli State 

VIlUKee la thla State 

Scbool district! In thla Sta 
Railroad mortgase bonda. 



Esttmated 

market value 

nit.JGOOD 

K,WOO» 
118,830 OO 

ll»,»lj 00 



a.tm.aooa ilus.m ar 



a, lis » 



Banking house and lot, book T«Jue, (25,000; cost, $30,514.17 j 
actual caedi value 

Other real estate, book value, t8S,994.28; coat, $31,391.22; 
actual cash value 

Cash on depoiit in banks or trust CMupaoiea 

Caah on hand ^ , 

Total of collectible intereat 

Amount of all other aaseti, vie.: 

Inaaranct premluma and taxes adiBDCed M.IM S> 

Patttal payment on bond* 1,100 00 



1,118 30 
>,000 00 



6.004 89 

$2,943,249 S4 

LIABILITIES 

Avtonnt due depoaitora. via. : 

Prlndiial |t,a3S,6>eiO 

DWldends credited or to be credited for toe alz 
monthi endins with De<«mber H, ItlS 4S,IHS Tl 

$2,684,229 81 

Surplua on market value 259.020 13 

$2,943,249 04 
Surplua on par value, $322,161.93. — 

CASH TRANSACTIONS DURING THE YEAR 1918 
RECEIPTS 
Carfi on hand and in banks or trust companies January 1, 

1918, before tranaactiong of the day $124,334 00 

From depositors, not including dividenda cradit«i] ST1,16I 42 

From interest on loons, deposita and inveatmenta 142 .OSS 34 

From renta from banking nouae 1,993 50 

From reata from Other real esttte 1 . 41 1 50 

From iBMigagM S9,7O0 OO 



Nassatt Covktt 159 

From redemption of stocks and bonds $48 ,000 00 

From fttooks and bonds sold (total par value, $61^00) 60,930 97 

Frcm real estate sold U,275 00 

Frum all other sources, vis.: 

AppRisal fees, release, tuxes, protest and eatisfac- 

Uon piece |S,M2 96 

Aut^piiiieut fee, insurajice, tax oearcb, expense 

refund 20 02 

TLrift stsmps 50 00 

2 ,712 ^8 

$1,020,54840 
PAYHBNTS ===== 

To depositors, including dividends paid to them $590,568 31 

For loans on bonds and mortgages 63,425 00 

For stocks and bonds purchased, including premiums, oomnvls- 

tions, etc. (total par value, $151,600) 151, 165 11 

For interest (other than dividend payments to depositors) .. 72 59 
For current expenses of the bank, viz.: 

For salaries |8,178 80 

fV>r Uxn : Banking bouse, IS04.27 ; surplus, |2,448.M ; 

OB mortgages. |l38.50 3,477 75 

Far expenses, except taxes, of banking house: 

li«pair« 168 65 

Insurance 124 Otf 

Other 102 66 

For expenses of other real estate, vis. : 

Kepairs 880 a 

ln«arance 263 00 

Tuxes 657 81 

Other 27 76 

For other expenses, not including expenses of other 

real esute nor other expenses of banking house.. 2,968 96 

16,340 54 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 10, 142 32 

Other psTDients, viz.: 

Thrift Stamp8, appraisal fees, taxe<<, protefit fees.. $6,823 86 
Relesjie, cash shortage, insurance, assignment fee.. 88 98 

Bid on school bonds, ttatV^faction piece 1.207 50 

7,120 29 

Cask on hand and in banks or trust companies December 31, 

1918, after transactions of the day 197,714 24 

$1 026 548 40 
• STATISTICAL INFORMATION — 

Number of open accounts January 1, 1919 5, 351 

Xumber of accounts opened or reopened during the year. ... 813 

Xomber of accounts closed during the year 947 

Aincunt d^msited during the year, not including dividends 

credited for that period $571,151 42 

Amount withdrawn during the year 590,568 31 

Ainoimt of diyidends credited and paid for the year, viz.: 

July 1, tns 148.400 33 

Jftauary 1, 1919 48,643 71 

Credited at other periods 2 82 

97,055 86 

Average amount of each account January 1, 1019 501 63 

Htte per cent, of dividends to depositors during the six months 

ending Jime 30, 1918 4 

^»^ per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

TcA&l earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $145, 191 03 

Tcrtsl expeoeos of the bank for the year 1918 16, 340 54 

IKTideads paid to depositors for the year 1918 97,055 86 

Kei eanunga for the year 1918 over expenses and dividendi 

Fud to depoMton * 81,794 68 

ssssssssssssa 



MEW VOftK COUNTY 



6t. AMERICAN SAVINGS BANK, NEW YORK CITT 

(US West 42d ttreet; incorporated 18S] 

WILLIAM M. CAMPBELL, Piesldent JOHN V. IRWIN. Secretary. 

JAMR8 K. KAROO. Vice-Preeldeiit. JOSEPH L. HASTE. Treasurer. 

U DUNCAN BULKLET, Vlce-Prea. GEO. F. BEOPHY. Jb., Aast. Treasurer. 

TRUSTEES 

VINCENT PI8BK. JOHN V. IRWIN. WARREN THORPE. 

JAMES F. FARGO. HENBT R. SUTPHBN. HENRY S. PARKER. 

L. DUNCAN BULKLET, FRED. M. JOHNSON. CHAS. F. DBSHLER, 

WILLIAM C. RTORT. GEORGE DEBEVOI8B, H. S. CARPENTER. 

WM. M. CAMPBELL, F. CLIFFE JOHNSTON, 

FINANKJIAL 

RESOURCES 

Bonds and mortgages $2,077,215 00 

Stock and bond investments, vis.: 

Par Original Estimated 

Btoeka and bonds value cost market value 

United States $615.400 00 1610.415 90 |616.400 00 

Cities in this State 196.000 00 206.230 28 194.S50 00 

Towns in this State 80.000 00 36,966 00 38.000 00 

Villages in this State 47.000 00 46.191 29 46.940 00 

School districts In this State 16.000 00 17.104 00 15.840 00 

Railroad mortgage bonds .... 683. 000 00 666. 028 06 448. 080 00 

$1, 486. 400 00 II. 480. 924 62 |1. 352, 660 00 
-=«—:«« «.»-o:...» «=»_. 1,352,560 00 

PrcMnissory notes 4, 451 00 

Banking house and lot, book value, $8,885.28; cost, $34,721.64; 

actual cash value 30, 000 00 

Other real estaite, book value, $127,884.83; cost, $129,566.70; 

actual caAh value 127 ,714 15 

Cash on depoeit in banks or trust companies 239, 120 38 

Cash on hand 7,134 94 

Total of collectible interest 46, 564 02 

Amount of all other assets, viz. : Suspense accoimt 169 88 



LIABILITIES 

Amount due depositors, viz.: 

Principal 13,626,61136 

Dividends credited or to be credited for the six 
months ending wltb December 31, 1918 65,156 06 



$3,884,929 37 



Other liabilities, viz.: 

Liberty Bond deposits 188,825 00 

Expenses incurred but unpaid — rent accrued 1,166 66 



$5,681,767 45 



89,991 66 
Surplus on market value 113, 170 26 

$3,884,929 37 
Surplus on par value, $247,010.26. - 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $270, 802 93 

From depositors, not includin^r dividends credited 1,582,413 52 

From interest on loans, deposits and investments 158,424 95 

From renta from banking house 3,785 00 

From rents from other real estate 9.543 00 

From mortgi^ei , , , ,, , iffiW> 00 



New York County 161 

From r«dempUoii of stocks and bonds $863,000 00 

From Btodcs and bonds sold (total par value, $72,000) 69,575 00 

From loans paid 2,452 00 

From all other sources, viz.; 

Suspense account, receiver's returns |8Q6 80 

Liberty Loan bonds 768,267 00 

Unclauned Liberty Loan Bond (fund) 42100 

Forfeit — real estate 200 00 

754,79a 80 

$3,260,340 20 
PArUBNTS 

To depositors, including dividends paid to them $1, 434,754 65 

For loans on bonds ai^ mortgages 4, 500 00 

For loans on stocks and bonds and other securities 6, 90S 00 

For stocks and bonds purchased, including premiiuns, commis- 
sions, etc (ftotal par value, $1,201,350) 1,195,991 00 

For interest (other than dividend! payments to depositors) . . . 2,670 37 
For current expenses of the bank, viz.: 

For salaries fiB,066 99 

For taxes: Banking house, H1J60; surplus, |tt2.29.. 913 79 

For expenses, except taxes, of banking house: 

Repairs 982 42 

Insorance 11179 

Other 218 «1 

For rent of banklasr rooms 7,000 OO 

Fbr expenses of other real estate, via. : 

Repairs 2,226 21 

Insurance 279 01 

Taxes 2,63104 

Other 1,412 62 

For other exiienses, not Including expenses of other 

real estate nor other expenses of banking house.. 4,140 73 

35,052 61 

For real estate acquired by foreclosure, or in setitlement of 

debts due the bank 6, 322 36 

Other payments, viz.: 

LU^rty Loan Bonds $826,96000 

Snapensa account 914 89 

UnelalBQed Liberty Loan Braid! — refund 36 00 

327,890 89 

Caah on hand ajid in banks or trust companies December 31, 

1918, after transactions of the day 246,255 32 

$3,260,340 20 
STATISTICAL INFORMATION = 

Number of open aceoonts January 1, 1919 11 ,658 

Number of accounts opened or reopened during the year 2,972 

Number of accounts closed during the year 1 , 730 

Amount deposited during the year, not including dividends 

credited for that period $1 ,582,413 52 

Amount withdrawn during the year 1 , 434, 754 65 

Amount of dividends credited and paid for the year, vi£.: 

July 1, 1918 154,60012 

January 1, 1919 56,156(16 

100,656 21 

Average amount of each aocoimt Januarv 1, 1919 315 81 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 -. , 3% 

Total earnings of the bank for the year 1918, after allowing 

for amortiaation of premiums and discounts $174,952 66 

Tntal expenses of the bank for the year 1918 50,673 62 

Dividenda paid to depositors for the year 1918 109,656 21 

Net eaminffs for the year 1918 over, expsnaea and dividends 

paid to depositors 14,622 93 

6 



162 Bbpobt oh Savisqb Babkb 

m. thb bahk fob savihgs ih the city. of hzw tosk 

[HO Fsorth aTenna; Ineorpontad UK) 

WALTER TRUIBLB, Predtleiit LEWIS B. OAWTBZ, 8«cnt>17. 

■H...^..^.^ ^ _— ^....„ -..-^ — HDMUND W. RYAN, AmL SwmUt)'. 

JOHN HARPER. Comptroller. 

RICHARD W. MOTT, Deputy Comptroller. 



OBO. E. BOOSEVEU^ 
THATCHER H. BROWN, 
JDUAN PEABODY, 
E. TOWNSEND IRTIH. 
JOHW Y. Q. ""•"—" 



FINANOIAL 

RESOURCES 

BMtds and morteages $41,619,800 00 

Stock and bond uiveatmenU, rit.: 

Par Original Eatlmated 

SiBokt and lend* Talne coat maTkat valaa 

Dnltad Btatea M.W.IOO 00 M.M.TOO 00 |4,UI,T0O0» 

State of New York I.M.COOOO t,M£.011 IS t.3t1,U» (■> 

BUle o( UaD'taDd 930.000 00 780,404 11 nC.tOO OS 

Cities In other SUteB B,T43,S00 00 e.07«.073 tt t,4M,(67 00 

Cltlea In tfala Btate U, 421,000 00 U.OTO.U) » lt,<71,9SS 00 

Conntlee In this Slate 778.000 00 aT,68S 70 904,110 00 

Railroad mortsase bonds.,. K,*r — ■" — *' 



Butkins house and lot, book Talue, 9400,000; ooat, $Tfil,301.0ei 

actual cash value 400,000 00 

Other real' estate, book value, (1,852,811.41; coat, tl,868,S9S.41 

actual caah value 1,424,000 00 

Caah <Hi depoait ia banks or trust companies 2,828,000 11 

Cash cm hand 744,268 02 

Total of collectiUe int«re8t 1,111,488 39 

Amount of all other assets, vii.: U. 8. War Savings Stamps. . 899 00 



$07,001,434 12 

LIABIUTIE8 

Amount due depositors, vie: 

Principal t88.7H,10t*l 

DlTMenda credited «r to be credited tor tlie all 

mootha ending with December 31, lOU 1,6M.S201E 

«00,48«,724 0« 

Other liabilities, tie.; Liberty Bond deporita 5,400 00 

Snrjdua on market value 7,490,310 00 

$07,091,434 12 

SurpluB on par value, $13,850,420.08. 

CASH TRANSACnONS DUBING THB YEAR 1018 

RECEIPTS 

Cash on hand and in banks or trust otmpaniee January 1, 

1918, befwe tranaactiona of the day $4,071,083 32 

From depositors, not including dividends credited i4,00&,902 S3 

From interest on loans, deposits and inveabncnta 4,063, 182 33 

From rents from otlier real estate 69,370 30 

From mortgages 1,560,060 OO 

From redemption of stocks and bcxida 3,8S0,6W> OO 



New Yobk County 163 

From stocks and bonds sold (total par value, $3,513,150) .... $3,507,488 20 

From real estate sold 177,500 00 

From all other sourcea, viz.: Prepayments U. S. Government 
Bonda 22,996 08 

$31,428,162 76 

PAYMENTS 

To depositors, including dividenda paid to them; $18,306,487 77 

For loans on bonds and mortgages 410,000 00 

For stocks and bonds purchased, including premiums, oommis- 

Biona, etc. (total par value, $8,784,000) 8,784, 106 46 

For interest (other than dividend payments to depositors).. 8,785 77 

For earrent expenses of the bank, viz.: 

Fornlailes 1130,87100 

For taxes: Banking house, $16,917.01; surplus, |44,- 

747.72 61.664 78 

For expenses, except taxes, of banking house : 

Repairs 640 92 

Insurance 87 60 

For expenses of other real estate, vis. : 

Repairs 42,46147 

Insurance 171 41 

Taxes 42.U6 50 

Other 800 00 

F^r other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 81,428 96 

309,627 69 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 24,932 32 

Other payments, viz.: 

Commission on r*eal estate sold 11,800 00 

liberty Loan Bonds 9,812 60 

Loss mt counter 864 62 

11,967 12 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 3,572,256 73 

$31,428,162 76 

STATISTICAL IKPORMATION 

Xmnber of open accounts January 1, 1919 136,316 

Xumber of accounts opened or reopened during the year. . . . 12,087 

Number of accounts closed during the year 18,291 

Amount deposited during the year, not including dividends 

credited for that period $14,095,992 53 

Amount withdrawn during the year 18, 306,487 77 

Amoant of dividends credited and paid for the year, viz.: 

July 1, 1918 |1.696,516U 

Janoary 1, 1919 1,69^620 26 

3,389,135 36 

Average amount of each account January 1, 1919 663 80 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors^ 

ledgers, except deposits arising from society accoun'ts, or 

judicial sales, or trust funds, or by order of a court of 

record or of a surrogate 2 

Total amount of such accounts 6,051 48 

Bate per cent, of dividends to depositors during the six months 

tnding June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $4,096, 146 23 

Total expenses of the bank for the year 1918 317,988 21 

Dividends paid to depositors for the year 1918 3,389,135 36 

Ket earnings for the year 1918 over expenses and dividends 

paid to depositors 389,022 66 



164 Repobt on Savimg3 Bankb 

es. THB BOWEKY SATIUGS BANK, NEW TOSK aTT 
(US-30 Bowerj; Incorporated ISM] 
HBNRX A. SCHEN'CE, President. WILLIAM B. ENOX. Comptrona. 

mLLIAM A. NARB, VIce-P resident. JOSEPH O. LIUDLB. Secretatr. 

OEOSOK UcNBIR. Vice-President. PEBCY O. DBUUIATER, Awt BttJ- 

TRUSTEES 

WILLIAU C, WOOD, 

I. W. DItUMMOND, 

a. B. DOMINICK. . 

C. LAWRENCE PERKINS, STEPHEN BAEBR. 
FRANCIS a BANQB, ARTBUR U UCSBBR, 

LEWIS L. CLARKE, S. W. FAIRCHILD. 

, RICHARD M. HOE, r ...™st « r.»yiunm. 

AUSTIN B. PLETCHE: 
WILLIAM E. KNOX. 
FINANOAL 
RESOURCES 

BohdH and mortgages $85,110,040 00 

Stock and bond investaient«, tu.: 

Par Original Efltlmated 

Btocki and lionit valae coat market valoa 

UDited States Rsso.soooo |9,ggo.£WGO »,B8a,aoooa 

BUite of Nevr Torn 874,000 00 897,210 00 885,26000 

State of Maraachnaett* UO.OOOOO 411.175 00 808,00000 

Cities Id otlii>r States 0.080,00000 O.fies.OEa 4S S.ffTS.TlG Oa 

Cltlea la tbla State 6,4T;,Z«» « S.TM.Mt £G e,tn,300M 

■UllniBd mortgage boitdi..., 18.588,000 00 U,!S1.47T 73 U.VST.GM 00 
Land Bank of the SUte of 

New rork 88.000 00 36,288 S3 35,000 00 



te2.s«,» 



hotuM cuh value 175,000 00 

Other real estate, book value, $167,840.47; cost, $186,022.24; 

actual CB«li value 167,840 47 

Caeh on deposit in banke or trust companiea 6,626,910 33 

Cash on hand 1,462,648 47 

TotaJ of collectible inUreBt 1,864,510 26 

Amount of all other aaoeta, viz.: Advanced for t«xe8 14, 181 60 

$124,635,543 07 

UABIUTISS 

Amount due depositora, vii.: 

Prtoclpal tI0B.»D0.n2BS 

DIvldendB credited or to be credited tor the all 
montba eadlns with December 31, ISIS 



Other liabilities, viz.: Billa payable and accrued interest — 

Fourtlk Liberty Loan 1,814,060 S4 

Surplus on market value 13,088.154 60 

1124, 635,543 07 
Surplus on par value, $17,090,058.09. - 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBTPTS 
Cash on hand and in banks or trust ciMnpanies January I, 

1918, before transactions of tlie day $5,927,547 5\ 

From depositors, not including dividends credited 26,192,354 43 

From interest on loans, deposits and investments 5,118,286 01 

Prom rente from other real estate 31 ,076 01 

From mortgages 90»,35O 00 

From redemption of stocks and bonds 3,306,750 CO 

From stocks and bonds sold (total par value, $6,534,300) 6,370,310 48 

Front loans paid 10,062 GO 

From real estate eoVd 487, 17Q 71 



telephone. Insurance . 



New York County 166 

Liberty Loan Bonds $1,800.000 00 

Sece!pu otlier real estate ; taxes advanced, refunded 53,602 61 

TeUen' acconnt 830 00 

$1,854,601 69 

$60,268,417 82 
PAYMENTS — 

h iepositors, including dividends paid to them $26,023,378 60 

Fi?r luutft on bonds and n¥>rtgages 2,255,800 00 

F(T Irons on stocks and bonds and other securities 10,062 00 

t 'T stodcs and bonds purchased, including premiums, commis- 

aoM. etc. (total par value, $13,309,500) 13,315,062 60 

For interest (other than dividend payments to depositors) . . 43,618 65 

For current expenses of the bank, viz. : 

For BBlaries ^46,280 00 

For taxes : Banking house. $8,176.75 ; surplus, 

1102,913.48 112.090 23 

Vtr expenses, except taxes, of banking bouse : 

Repairs 3,338 27 

Insurance 254 65 

Other 15,99900 

For expenses of other real estate, viz. : 

R^Mdrs 5,23482 

Insurance 3,10173 

Taxes 9,30102 

Other 13,593 26 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 56,428 52 

364,681 50 

Fr»r real estate acquired by foreclosure, or in setitlcment of , 

debts due the bank 111,578 97 

Otlier payments, viz.: 

Wlers' account 11,072 00 

naira allowed depositors 1,554 54 

idTancad for taxes 52,143 16 

64,769 70 

C<.^ on hand and in banks or trust companies December 31, 

1918, after transactions of the day 8,088,565 80 

$50,268,417 82 
STATISTICAL INFORMATION ===== 

Xumber of open accounts January 1, 1919 143,323 

Xoffiber of accounts opened or reopened during the year.... 22,709 

Nimiber of accounts closed during the year 23,377 

Afflount deposited during the year, not including dividends 

credited for that period $26, 192,354 43 

Anoant witiidrawn during the year 26,023,378 60 

Aioount of dividends credited and paid for the year, viz.: 

July 1, 1918 11,939,839 76 

January 1,1919 1,954,336 28 

3,894,175 04 

Ajerage amount of each account January 1, 1919 759 51 

XomW of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

lcd|;ers, except deposits arising from society accounts, or 

judicial sales, or trust funds, or by order of a court of 

record or of a surrogate 6 

Tntal amount of such accounts 21 , 114 55 

Rote per cent, of dividends to depositors during the six months 

eads3kg June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

fading Deoemrber 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $5,064,930 80 

Total expenses of the bank for the year 1918 378,762 34 

IMvidends paid to depositors for the year 1918 3,894, 175 04 

Set earnings for the year 1918 over expenses and dividends 

paid to depositors 791 ,993 42 



166 Report on Savings Banks 

G6. BROADWAY SAVINGS INSTITUTION, NEW YORK CITY 

[6-7 Park place; Incorporated 18511 
HORACB P. HUTCHINSON, President. EUGENE BRITTON, Vice-President. 
RICHARD B. KELLY, Vice-President. LOUIS F. FERRIS, Secretary. 

TRUSTEES 

H. P. HUTCHINSON, EDWARD TOWNSBND, EDWARD E. WATTS, 

EUGENE BRITTON, FREDERICK W. HUNTER RICHARD KELLY, 

OSCAR T. MACKEY, CHARLES A. FRANK. COURTLANDT P. DIXON. 

RICHARD B. KELLY, SAMUEL S. BLOOD, EDWARD D. KING, 

BEMSEN JOHNSON, HENRY A. HOWARTH. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $9,008,850 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Biooka and honda value cost market value 

United States $375,400 00 $372,880 00 $375,400 00 

State of New York 50,000 00 51,437 50 50,500 00 

Cities in other States 200,000 00 222.328 00 194,000 00 

Cities in this State 244,000 00 252,533 69 242,060 00 

Counties in this State 300.000 00 300,000 00 291,000 00 

Railroad mortgage bonds.... 2,763,000 00 2,935,636 57 2,637,760 00 

$3, 932, 400 OQ $4, 134, 715 76 $3, 791, 320 00 



3,791,320 00 

Promissory notes 17,740 00 

Banking house and lot, book value, $250,000; cost, $271,261.83; 

actual cash value 250,000 00 

Other real estate, book value, $772,100; cost, $791,094.64; 

actual cash value 772,100 00 

Cash on deposit in banks or trust companies 291 ,336 71 

Cash on hand 83,994 86 

Total of collectible interest 162,545 23 



$14,377,886 80 

LIABILITIES 
Amount due depositors, viz.: 

Principal $13,516,634 11 

Dividends credited or to be credited for the six 

months ending with December 31. 1918 260, 726 26 

$13,777,260 37 

Other liabilities, viz.: 

Liberty Bond deposits $6,663 00 

Held for mortgagors' account 3,427 48 

10,090 48 

Surplus on market value 590, 535 95 

$14,377,886 80 

Surplus on par value, $731,615.95. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 ,211 .463^ 56 

From depositors, not including dividends credited 2,432,341 00 

From interest on loans, deposit and invcs'tments 660 « 444 44 

From rents from other real estate 12 , 347 14 

From mortgages 379 , OOO 00 

From redemption of stocks and bonds 281 ,000 00 



New Yokk County 167 

Fraa stocks and bcmds sold (total par value, $144/^00) $141,500 00 

FroD loans paid 32,000 00 

Fnm real estate sold 77,053 81 

From all other sources, yiz.: 

Proflt sale Liberty Loan Bonds UMi 60 

Defldencj judgment 4»SM S8 

Ttxes and Interest from mortgagors 23,386 41 

Subscriptions to Liberty Loan Bonds 45,626 00 

74,924 40 

$5,302,074 34 

PAYMENTS 

To depositors, including dividends paid to them $4,030,580 80 

For loans on bonds and mortgages 93 ,500 00 

For loans on stocks and bonds and other securities 46,240 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $420,900) 414,624 79 

For interest (other than dividend payments to depositors) . . 1,765 90 

For current expenses of the bank, viz.: 

For salaries $87,216 60 

For taxes. Banking bonse. $4*166.90; surplus, $4,272.76 6,438 66 

For expenses, except taxes, of banking honse: 

Repairs 468 70 

Insnrance 6190 

For expenses of otber real estate, via. : 

Bepalrs 844 86 

Insurance 376 02 

Taxes 12,806 06 

Otber 71163 

For other expenses, not Including expenses of otber 
real estate nor other expenses of banking bouse. . 7, 668 00 

68,070 33 

For real estate acquired by foreclosure, or in settlement of 

debU due the bank 182,923 70 

Other payments, viz.: 

Defalcation $30,107 32 

Payments account interest and taxes 19,968 98 

liberty Loan Bond account 88 962 00 

89,028 25 

Cash on hand and in banks or trust comxMUiies December 31, 

1918, after transactions of the day 375,331 57 

$5,302,074 34 

STATISTICAL INFORMATION 

Knmber of open accounts January 1, 1919 15,256 

Xumber of accounts opened or reopened during the year 1,689 

Number of accounts closed during the year 2,385 

Amount deposited during the year, not including dividends 

credited for that period $2,432,341 00 

Amount withdrawn durii^ the year 4,030,589 80 

Amount of dividends credited and paid for the year, viz.: 

Jnly 1, 1913 $274.208 06 

Jaaoary 1, 1918 360,726 36 

534,928 29 

AvCTsge amount of each account January 1, 1919 903 07 

Rate per cent, of dividends to depositors during the six months 

ending June 30. 1918 4 

Rtte per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earning of the bank for the year 1918, after allowing 

for smortization of premriums and discounts $646, 115 56 

Total expenses of the bank for the year 1918 68,070 33 

Dividends paid to depoeitors for the year 1918 534,928 29 

^et earnings for the year 1918 over expenses and dividends 

P«d to depositors 43,116 94 



168 Report ow Savikos Banks 

67. central savoffis bank in the city of new tobk 

[lET Pourib aveone; iDCorponted 18U as aennan Saiinn Bank Id the CltT- of 
New York] 

RDItERT CILLI8. PrMldeot. ADOLF KOPPEL. Trrasarer. 

CARL OOBPBL, Vlce-Pre*. CHAS. W. HUHLHAUSEN, ComptioUer. 

BDW. C. aCHASFBB, Tl(w-Prari<1eiit. ADOLPH BEPPEBT. CMhler. 
THEO. 8CH0B8SB, S«aetar7, 



THOMAS F. TIBTOS, P. T. FLBITHANN, 

GEOBOB LSASK, JOSEPB F. BTILLUAK. 

CABIj OOEFEL, RRNST PFAKRIUS. 

ADOLF KtJXTROFF, RUDOIJ' BRB8LOH, 

HDBBKT CILLIS, AUOUST ZINRSKB. 



OUBTATB 8CHWAR CARL L. SCnilBZ. 

"".LIAM SCHALL, f^nofc- m •^-oi-n- 

V. LAFRBNTZ, 

HNAKCIAL 



WILLIAM SCHALL, GEORGE H. KRETZ. 

F. W. LAFRBNTZ, HE.VRY RUHLENDER. 



..$51,012,514 OC 



Poi OrlgmBl BBUmatcd 

Btoelct oitd llonit valoc coat market Taint 

United Sutei $3,133,200 W »,391,lSOoa t3,U3,2aO(M 

State of New Yoifc I.IM.OOOOO l.MS.BSare 1. 177.60000 

State of Alabama GOO.OOOOO MS, 200 00 4*0.000 00 

State at OUfoniia MO.OOO OO Sti.EOO 00 840.00000 

State ot LoDlBlaiiB £60,000 00 150,166 IE »0,000 DO 

Bute of ManlaiMl 100,000 00 100, SOB 00 M. 000 00 

State of Masaachasetta Z.I£O,O0000 2.3:0,400 60 l.S21,GOO0O 

SUte ol TenoesHee 182,000 00 l,l]6t.7ieM 1,014,17000 

State of Utah >;G,000 00 273.14188 264.000 00 

Cltlei In other States 7.S0S.7Sa OO 8.011.142 38 7.GM,GO00O 

Cities la IblB Bute 3.030.00000 3.132.36S73 2,827.34000 

RallrDBd mortzase bonds.... 13,444.848 00 24,ffi0.m 41 1*.34G,S2S 18 

(43.823.798 00 t4G,U4,2e3B» (40.072.720 38 

40,072, 73« 28 

PromiBBory notes 2&0 00 

Banking house and lot, bocdt vatne, 9850,000; cost, 91,406,- 

331.08; itotual cash value 850,000 00 

Other reftl estate, book value, 9669,844.99; cost, 9S89,666.M; 

actual cash value 669,844 99 

Cash oa deposit in banks or trust companies 6,095,639 49 

Cash on hand 886,249 94 

Total of collectible interest 1,173,902 37 

9101, 5«1, 140 13 
■ LIABILITIES 
Amount due depositors, vis.; 

Prtndpal 01,283, 000 48 

DlTldend* credited or to be credited (or tbe ali 

montbB ei>«D« with Deeemter 31, UlS. 1,719,(21 18 

993.002,821 66 

Surplus on market value 8,558,318 47 

«101,661.140 13 

Surplus CD p&r value, $12,309,377.19. 

CASH TRANSACTIONS DURING THE YEAR 1918 
BECBIPT8 
Gash on hand and in banks or trust companies January 1, 

191S, before transactions of the day $8,072,194 56 

From depositora, not including dividends credited 17,882,313 61 

From interest on loans, deposits and investments 4,470,595 22 

From rent« tma banking house 36,613 97 



New Youb: Countt 169 

From rents fronr other real estate $90,132 79 

From mortgages 1 ,573,015 31 

From redemption of stodcs and bonds 2,904,000 00 

From stocks and bonds sold (total par value, $2,990,674) 2,960,820 27 

From real estate sold 186,700 00 

From all other sources, vie: 

Rentals collected durlner foreclosvires $3,733 41 

Insurance 133 7S 

3,867 13 



$38,180,252 86 



PATMBNTS 

To depositors, including dividends paid to them $22,230,534 24 

For loans on bonds and mortgages 516,835 37 

For loans on stocks and bondS and other securities 250 00 

For stodcs and bonds purchased, including prenriums, commis- 
sions, etc. (total par value, $7,851,000) 7,809,853 55 

For interest (other than dividend payments to depositors) .... 15,927 79 

For current expenses of the bank, viz.: 

Forsaloiies 1146,296 47 

For taxes. BanklDir borne, 118.186.60; surplus, 

$67,8a2J8 76.988 68 

Tor expeoses, except taxes, of banking bouse: 

Repairs 2,626 69 

Insurance 66179 

Other .' 14.828 81 

FV>r expenses of otber real estate, vis. : 

Repairs 26.744 96 

iBsarance 3,816 04 

Taxes 19.287 16 

Otber 27,166 85 

For otber expenses, not including expenses of otber 
real estate nor otber expenses of banking bouse.. 39.286 37 

355,080 31 

For real estate acquired by foreclosure, or in settlement of 

debte due the bank 254,091 35 

Other payments, viz.: Foreclosure costs — Expenses on real 

estate 15,790 82 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 6,981 ,889 43 

$38,180,252 86 

STATISTICAL INPORMATION 

N'umber of open accounts January 1, 1919 133,961 

Number of aocount« opened or reopened during the year 11,724 

Number of accounts closed during the year 19,256 

Amount deposited during the year^ not including dividends 

credited for that period $17,882,313 61 

Amount withdrawn during the year 22,230,534 24 

Anoomnt of dividends credited and paid for the year, vis.: 

Jaly 1, 1918 $1,747,338 31 

January 1, 1W9 1.719,821 18 

3,467,159 49 

Average amount of each account January 1, 1919 694 25 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortizoition of prenriums and discounts $4,505,732 28 

Total expenses of the bank for the year 1918 355,080 31 

Dividends paid to depositors for the year 1918 3,467, 159 49 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 683,492 48 



170 



Repobt on Savings Banks 



6& CITIZSNS' SAVINGS BANK, NSW TOKK CITY 

[54-68 Bowery; incorparated 1860] 



HKNRT HA8LBR, President. 
CHARLES H. SMITH, Vice-Free. 
JAMES ROWLAND. Vice-President 



HENRY SAYLBR. SecreUnr. 
EDWIN A. LAHM. Asst Secretary. 



CHAS. H. STEINWAY. 
HENRY HASLBR. 
PBRCIVAL KUHNB, 
JAMES ROWLAND, 
ARTHUR W. WATSON, 
JOHN C. JUHRINQ, 
JOHN M. FUCHS, 



TRUSTEES 

DAVID C. TOWNSEND, 
CHAELES H. SMITH, 
JOHN A. BEALL, 
EDWARD H. TITUfi. 
BABAK G. COLES, Jn. 
RICHARD A. BACHIA, 
JULIUS DB LONG, 

FINANCIAL 
RESOUBCES 



HENRY SAYLER, 
WARNER D. OKVIS, 
WILLIAM H. SCHMIDT. 
AUGUSTUS W. KELLEY. 
EDWIN E. DICKINSON. 
SAMUEL R. MARSHALL. 
PRANK GULDEN. 



Bonds and mortgages $8,689,775 00 

Stock and bond Investments, vix.: 



Par 
BtoekB atkd hondt value 

United States |1.6KS,66OO0 

State of New York 900,000 00 

State of Massacbosetts 1.000.000 00 

Cities Ilk other States 2.800.000 00 

Cities in ttalB State 3.126.000 00 



Original Estimated 

cost market value 

$1,642,480 00 (1.663,660 00 

983.15190 927,000 00 

1.122.117 00 890.000 00 

8.086.&76 80 2.732.400 00 

S.S74.286 06 8,002.820 00 



125,000 00 



19,479,660 00 110.158.609 76 $9,206,870 00 
— =- _=.=_ __«_ 0,205,870 00 

Banking house and lot, book value, $125,000; ooet, $277,116.16; 

aotutd cash value 

Other real estate, book value, $120,000; cost, $171,040.41; 

aotual cash value 120,000 00 

Cash on deposit in banks or trust componiee 1,191,960 76 

Cash on hand 240,059 22 

Total of ooUectible interest 187,433 80 

Amount of all other assets, viz. : U. S. War Savings and Thrift 

Stamps 292 62 



$19,760,391 49 

LIABILITIES 

Amount due depositors, vis.: 

PHndpal $17,182,131 72 

Dividends credited or to be credited for the six 

months ending with December 31. 1918 310. 878 24 

$17,492,604 96 

Surplus on market value 2,267,886 53 

$19,760,391 49 
Surplus on par value, $2,541,666.53. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 ,503,841 57 

From depositors, not including dividends credited 4,709,822 74 

From interest on loans, deposits and investments 771,280 01 

From rents from banking house 7 ,215 00 

From rents from other real estate 10,695 68 

From mortgages 150,475 00 

From redemption of stocks and bonds 595,000 00 

From stocks and bonds sold (total par value, $187,100) 187, 100 00 

From real estate sold 48,500 00 



New Yobk County 171 

From all other sources, viz. : 

Profit and loss account |2,»42 17 

Insunince account 98 40 

$2,440 57 



$7,986,370 47 



PAYHSNTS 

To depositors, including dividends paid to them $4,170,395 16 

For loans on bonds and mortgages 45,500 00 

For stocks and bonds purchased, including premiimis, commis- 
sions, etc (total par value, $2,153,000) 2,141,830 00 

For interest (other than dividend payments to depositors).. 3,651 56 

For current expenses of the bank, viz. : 

For salaries $63.390 00 

For taxes : Banking house, |3,187^3 ; surplus, 

m.9UM 24,061 87 

For expenses, except taxes^ of banking house : 

Hepairs 1,870 76 

Insurance 1,974 96 

Fbr expenses of other real estate, viz. : 

Repairs 6,299 47 

Insurance 1,002 11 

Taxes 2,797 78 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 12,672 06 

103,648 98 

For real estate acquired by foreclosure, or in settlement of 

debU due the bank 87,860 77 

Other payments, viz.: Commissions and insurance premiums 

advanced 1 , 171 40 

Cash on hand and in banks or trust companies December 31, 

191S, after transactions of the day 1 ,432,312 60 

$7,986,370 47 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 27,363 

Number of accounts opened or reopened during the year 4,054 

Number of accounts closed during the year 3,667 

Amount deposited during the year, not including dividends 

credited for that period $4,709,822 74 

Amount withdrawn durinjc the year 4, 170,395 16 

Amooiit of dividends credited and paid for the year, viz.: 

July 1, 191S $304.880 23 

January 1, 1919 310,873 24 

614,763 47 

Average amount of each account January 1, 1919 639 27 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accounts, or 

judicial sales, or trust funds, or by order of a court of record 

or of a surrogate 1 

Total amount of such accounts $7,039 00 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premdums and discounts $776,020 68 

Total expenses of the bank for the year 1918 103,648 98 

Diridends paid to depositors for the year 1918 614,763 47 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 57 ,618 23 



Report on SAViKoa Banks 

COHUOHWEALTH SAVINGS BAHE OP HEW TOSE aTT 

[HWI AmateTdam avenue; lacoiporoted UIO] 

LOUIS K. DNGniCU, Vlce-Prea. 

8. OAUU^BT, 8ecret«r7> 

CORNELIUS HDTB, UARTIN WALLACE, 

TilOUAS b\ McATOY. BOETON' J. W1IJ£B. 

JOHN A. MCRRAV, CHAKLKS W. APPLETDM. 

CBRlBTIAMSCHEERLOa. OTTO H. BCHLOBOHll. 

WU. F. HCHMEIDER, PREDESICE EEIU, 

^, .„.„.„ =^,..,,„„ JOHN B. OTONNKLl. 



LOUIS K. DNUUICU, 
FINANCIAL 
RESOURCES 

Bonds and mortgagea 9951,000 00 

Stock and bond in vestments, vis.: 

Par Original Estimated 

Stock! unit bimda value cost market valne 

United Statea tS1,3GT 36 t?Z,36S M tS7,3«G 38 

atlea Id otUer States IG.ODO OO IG.MS !S tS.lGO OU 

atles In tUH »tHt« 110.00000 107. SM M lOO.MOOO 

SchoDl dUtrlcta In thia 8tat« l.ltCO OO 4.gM 00 4,808 OO 

Railroad inorlguK« boDda... 22S,III» 00 IlS.Oai fi2 aS.llO OO 

t44G,«6G3S lUl.miS HU.631 36 

=^ = -- ■ - == =- 415,631 3« 

Other real nttate, bocdc vahie, $24,672.50; cost, $24,672.fi0; 

B^ctual cash value 24,872 60 

Cash on deposit in banks or trust oompaniea ISl ,624 20 

Caflh on hand 12,364 87 

ToUl of collectible interest 24,791 68 

Amount of all other aaaeta, vis.: 

Furniture and Oilnres «.000 00 

Llbertr Bonds held for Hubacrlbers 4I,<9T GO 

U. 8. Thrift Slamps U 7E 

48.737 2S 

$1,606,821 86 

LIABILITIES 
Amount due depoaitors, viz.: 

Principal tl.0I3,l3S4l 

Dlvldendi credited or to be credited for Iha ali 

m on tba ending witb DeceniUir 31. lOU M.OTZ 01 

$I,C30,20» 08 

Surplus on m&rket value 29,612 78 

SI, 668, 821 86 
Surplue on par value, $59,946.78. 

CASH TRAKSACTIOSS DURING THE YEAR 1918 
RECEIPTS 
Cash on hand and in banks or truat companies January 1, 

1918. before transactions of the day $94,872 40 

From depositors, not including dividends credited 978,600 32 

From interest on loans, deposits and investments 68,701 83 

From rents from other real estate 1 OS 00 

From mortgages 32,350 00 

From redemption of stocks and bonds 3,000 00 

From stocks and bonds sold (total par value, $1,166.12) 1,166 12 

Frmn real estate boM 9,450 00 



New Yobk County 173 

From all other gources, tIz.: 

Liberty Loan Bonds $112,459 50 

U. S. certificates of iDdel»tedM88 50,000 00 

War SavingB Stamps, Thrift Stamps 1,765 74 

Fire insurance premiom 6 60 

$164,231 84 



$1,352,540 51 



PAYMENTS 

To depositors, including diyidends paid to them $757,380 61 

For loans on bonds and mortgages 69,500 00 

For stocks and bonds purchased, including premiums, commis- 

fikms, etc (total par value, $68,534) 63,866 50 

For interest (other than divdend payments to depositors) .... 302 37 

For current expenses of the bank, viz. : 

For salaries IC5M 84 

For expenses, except taxes, of banking boose : 

Repairs «8 72 

Insurance 26 94 

For rent of banking rooms 1,200 00 

For expenses of otner real estate, yls. : 

Repairs 15 10 

Taxes 1,398 66 

Other 69 40 

For other expenses, not including expenses of other 
real estate nor other expenses of banking bouse.. 784 48 

10,22^ 53 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 20,040 37 

Other payments, viz. : 

OMamission selling real estate |212 38 

IMfertj Loan Bonds, tJ. S. certificates of indebtedness 227,006 00 
Thrift Stamps, flre insurance premium 1, 014 68 

228,232 06 

Cash on hand and jn banks or trust companies December 31, 

1918, after transactions of the day 203,089 07 

$1,352,540 51 

STATISTICAL INFORMATION 

Xitmber of open accounts January 1, 1919 8,539 

Xinnber of accounts opened or reopened during the year 2,547 

Xamber of accounts closed during the year 1 ,568 

Amount deposited during the year, not including dividends 

credited for that period $978,660 32 

Amount withdrawn during; the year 757 , 380 61 

Amount of dividends credited and paid for the year, viz. : 

Jnlj 1, 1918 $25.106 64 

Jtnoary 1, 1919 26,072 64 

51,179 28 

Arerage amottni of each account January 1, 1919 191 97 

lUte per centu of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total eamingB of the bank for the year 1918, after allowing 

for amortization of prenriums and discounts $71 , 189 62 

Total expenses of the bank for the year 1918 10,229 53 

IXyidends paid to depositors for the year 1918 61 , 179 28 

Jfet earnings for the year 1918 over expenses and dividends 

paid to depositors 9,780 81 



174 Report on Savings Banks 

70. DRY DOCK SAVINGS INSTITUTION, NEW YORK CITY 

[841 Bowery; incorporated 1848] 

ANDREW HILLS. President RICHARD T. DAVIES, Vice-Preaident. 

WM. F. PATTERSON, Vice-Preaident. SAMUEL WEBSTER, Secretory. 

BENJ. DBF. CURTISS, Vice-President. FRERERICK SHEIBWOOD, Treasurer. 

TRUSTEES 

ANDREW MILLS, W. M. BENNETT, GEORGE B. HODGMAN. 

FREDERICK ZITTEL. WALTER E. FREW, RICHARD T. DAVIES. 

JOHN A. TACKABERRY, WM. H. REMICK. ANDREW MILLS. Jr.. 

WILLIAM S. GRAY. LORENZO DANIELS, WALDRON P. BELKNAP, 

BENJ. DBF. CURTISS, WM. F. PATTERSON. AUGUSTUS H. TENNIS. 

FTNANCIA'L 

RESOURCES 

Bonda and mortgagee $28,977, 275 00 

Stock and bond inYestment^ viz.: 

Par Original E}fltimated 

Btoek» and bonds value cent market value 

United Stotes 17,990,850 Oa $7,966,316 20 $7,990.860 00 

State of New Yovk 200.000 00 201,000 00 202.000 00 

State of Marvland 100.000 OQ 94,524 36 95,000 00 

State of California 10O.00O 00 96.623 20 97.000 00 

State of Tennessee 250,000 00 257.740 23 257.600 00 

State of MassachURetts 900, 000 00 980, 557 50 810,000 00 

Cities in other States 4, 678. 000 00 4. 858. 396 03 4, 480, 755 00 

Cities in this State 4,783.028 94 4.927.185 75 4.691.897 20 

Railroad mortgage bonds .... 8. 869. 000 00 9. 437. 976 20 8. 222. 180 00 

$27,770.878 94 $28,820.319 47 $26,847.182 20 

=== =— = == 26,847,182 20 
Banking house and lot, book v«iue, $150,000; cost, $568,571.31 ; 

actual cash value 150,000 00 

Other real estate, book v<alue, $93,083^54; cost, $109,771.00; 

actual cash value 93,083 54 

Cash on deposit in banks or trust companies 2,846,951 89 

Cash on hand 1,314,857 53 

Total of collectible interest 908,691 14 

Amount of all other assets, viz.: U. S. War Savings Stamps. . 2,444 00 

$61,140,485 30 
LIABILITIES ===== 

Amount due depositors, viz.: 

Principal $66,027,488 36 

Dividends credited or to be credited for tbc six 
months ending with December 31, 1918 844.649 39 



-$55,872,137 76 



Other liabilities, viz.: Expenses incurred but unpaid, taxes.. 24,000 00 

Surplus on market value 5,244,347 55 

$61,140,485 30 
Surplus on par value, $6,168,044.29. , 

CASH TRANSACTIONS DLTRING THE YEAR 1918 

RBCBIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transaction of the day $3,048,995 35 

From depositors, not including dividends credited 17,758,3)11 29 

From interest on loans, deposits and investments 2,482,232 93 

From rents from other real estate 2,644 05 

From mortgages 499,700 00 

From redemption of stocks and bonds 6,235,300 00 

From stocks and bonds sold (total par value, $1,477,350.00) . . 1,471,350 00 

From bankers' acceptances and bills of exchange 966,676 38 

From all other sources, viz. : Sale of scrap iron 45 25 

$33,365,255 25 



New York County 175 

PATHBNT8 

To deposiion, including dividends paid to them $14,243,918 OS 

For loans on bonds and mortgages 993,000 00 

For bankers' acoeptances and bills of exchange 966,076 86 

For stocks and IxHids purchased, including premiums, commis- 
sions, etc. (total par value, $12,788,400.00) 12,764,224 26 

For interest (other than dividend payments to depositors) ... 13,713 10 

For eorrent expenses of the bank, viz. : 

For lalarttf $96,767 €( 

For taxes: Banking house, %i,WZM; surplus, 

m,M6J6 46,887 91 

For ezpoMeB, except taxes^ of banking bouse : 

Eepairs 908 40 

Inmirance 606 04 

IV>r espeuKs of other real estate, vis. : 

Repain 1,888 08 

Insurance 868 81 

Ttaes 8,816 10 

For other expeoses, not indutfing expenses of other 
real estate nor other expenses of banking bouse.. 88,966 85 

171,970 80 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 48,998 26 

Other payments, viz. : War Savings Stamps 1 ,546 00 

Cub on hand in banks or trust companies December 31, 1918, 

after transactione of the day 4, 161,809 42 

$33,366,256 25 

STATISTICAI/ INFORMATION 

Number of open accounts January 1, 1919 87,175 

Komber of accounts opened or reopened during the year.... 17,608 

Number of accounts closed during the year 14,768 

Amount deposited during the year, not including dividends 

credited for that period $17,758,911 29 

Amount withdrawn during the year 14,243,318 (Kl 

Amoant of dividends credited and paid for the year, viz. : 

Jolj 1. 191S 1886.79847 

JaiiiiuT 1* 1919 844,648 88 

1,671,441 86 

Avenge amount of each account January 1, 1919 631 23 

Rate per cent of dividends to depositors during the six months 

ending June 30, 1918 3% 

Hste per cent, of dividenda to depositors during the six months 

cnduig December 31, 1918 3% 

Total earnings of the bank for the ^ear 1918, after allowing for 

amortization of premiums and diaoounts $2,468,394 93 

Total expenses of the bank for the vear 1918 171 ,970 80 

Diridends paid to depoaitora for the year 1918 1,671,441 86 

Ket earnings for the year 1918 over expenses and dividends 

paid to depositors 624,982 27 



176 Eeport on Savings Banks 

71. THE EAST RIVER SAVUfOS INSTITUTION, NEW YORK CITY 

[291-296 Broadway; Incorporated 1848] 

.DICK S. BAMSAT, President LESTER VAN BRUNT, SecreUry. 

HENRY T. NICHOLS, VlceiPresldent. WILLIAM G, TERLINDE. AB«t. Sec. 

DANIEL W. WHITMORB, Vice-President 

TRUSTEES 

HENRY T. NICHOLS. CHAS. A. O'DONOHUB, DARWIN B. JAMBS, Ja., 

DICK S. RAMSAY. WILLIAM C. TABER. JAMES A. SMITH. 

WILLIAM C. SMITH. JULIAN D. FAIRCHILD, CHARLES B. PERKINS. 

DANIEL W. WHITMORE. JAMES B. CLEWS. PRANK A. HORNB. 

PERCY C. MAGiNUS, J. FRED. PIERSON. FRBD. G. FISCHER. 

JULIAN P. FAIRCHILD, 

FENAN^LAL 

RESOURC19S 

Bonds and mortgages $17,609,420 00 

Stock and bond investments, viz. : 

Par Original Estimated 

Btooka an4 bonds value cost market value 

United States $3,461.300 00 $3.4G1.3000O $3,461.80000 

State of New York 850.000 00 860,900 00 841.600 00 

State of Massachusetts 1, 250. 000 00 1, 828, 606 15 1. 124. 000 00 

State of Tennessee 100. 000 00 99.626 00 96,000 00 

Cities in other States 3.143,000 00 3,246,486 44 3,072,940 00 

Cities in this State 6.786,500 00 6,725.860 31 6.426,910 00 

Counties in this State 210, 000 00 229, 267 60 205, 900 00 

Towns in this State 36.000 00 36,574 92 37,080 00 

Railroad mortgage bonds.... 3,853,000 00 3.702.31176 3.199,640 00 

I19.688.80OOO $19«690.831 07 $18,465.270 00 

= — _« «= = - 18,4«5,270 00 

Banking house and lot, book value, $1,300,000; cost, $1,596,- 

085.74; actual caeh value 1,300,000 00 

Other real estate, book value, $599,874.08; cost, $599,874.08; 

actual cash value 599,874 08 

Gash on deposit in banks or trust companies 854,784 12 

Cash on hand 11,401 86 

Total of collectible interest 362,335 92 

Anoount of all other assets, vis. : Rent accrued 675 00 



$39,103,660 98 
T/T ABILITIES ===== 

Amount due depoeitore, viz.: 

Principal 134.580.440 04 

Dividends credited or to be credited for the six 

months ending with December 31. 1918 668, 335 34 

$36,248,775 38 

Other liabilities, viz.: Liberty Bonds deposits 17,732 83 

Surplus on market value 3, 837 , 152 77 

$39,103,660 98 
Surplus on par value, $5,060,682.77. = 

CASH TRANSACTIONS DURING THE YEAR 1918 

EECEIPTS 
Cash on hand and in banke or trust compajiies January 1, 

1918, before transactions of the day $5,166,364 94 

From depositors, not including dividends credited 6,225,780 93 

From interest on loans, deposits and investments 1 , 692, 140 16 

From rente from banking house 121 , 897 12 

From rents from other real estate 66, 055 76 

From mortgages 731.970 00 

From redemption of atocks and bonds 3, 605. 800 00 

From stodcB and bonds sold (total par value, $205,350) 205,350 00 

From all other sources, viz.: 



New Yoek County 177 

Satlsfactioiui, &iq;>ralsal fees, refund accouiit |4, 8S0 76 

From tenants for repairs, for power and heat 1, 4t7 80 

Liberty Loan Bonds 100,847 02 

$106, »76 68 

$17,912,040 49 

PAYMENTS 

To depositors, inoluding dividends paid to them $9* 412 f 738 66 

For ioaas on bonds and mortgagee 419, 750 00 

For atocks and bonds purchased, includix^ premiums, oom- 

miasionfl, etc. (total par value, $6,850,200) 6,850,200 00 

For interest (other than dividend payments to depositors) . . 5,732 86 

For current expenses of the bank, viz. ; 

For salaries 136,061 16 

ftr taxes: Banking house, $28,672.46; sorplus, 

127,782^; 66,866 46 

For expenses, except taxes, of banking house : 

Bepalrs 23,446 64 

Insurance 1,189 78 

Other 41,680 60 

F^r rent of banking rooms 20.00000 

For expenses of other real estate, vis. : 

Repairs 17,900 60 

Insurance 2,166 82 

Taxes 14.466 36 

Other 14.68484 

For other expenses, not including expenses of other 
real estate nor other exi>en8e8 of banking house.. 6,940 77 

236,470 41 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 13,884 40 

Other payments, viz. : 

Repairs to banking house 13,169 91 

Repairing fire damage 2,199 60 

Uberty Loan Bonds 102,718 78 

108.078 10 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 866,186 08 

$17,912,040 49 

STATISTICAL INFORMATION 

Namher of open accounts Jianuary 1, 1^19 91, 931 

Number of accounts opened or reopened during the year 3, 897 

Number of accounts closed during the year 4*979 

Amount deposited durine the year, not including dividends 

credited for that period $6, 226, 780 93 

Amount withdrawn during the year 9, 412, 738 66 

Amount of dividends credited «nd paid for the year, viz. : 

Jolj 1, 1918 1690,66084 

January 1, mB 668,335 34 

1,368,886 18 

Average amount of each account January 1, 1919 1 , 142 62 

Number of accounts which exceeded $3,000, exclusive of divi- 

doids credited, at the last trial balance of depositors' ledgers, 
except deposits arising from society accounts, or judicial 
sales, or trust funds, or by order of a court of record or of a 

torrogate 4 

Total amount of such accounts $13, 646 63 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after iUlowing 

for amortisation of premiums and discounts $1 , 868, 498 76 

Total expenses of the bank for the year 1918 236,470 41 

l)ividends paid to depositors for the year 1918 1, 368,886 18 

Xet earnings for the year 1918 over expenses and dividends 
paid to depositors 274, 142 17 



178 Report on Savings Banks 

72. EMIGRANT INDUSTRIAL SAVINGS BANK, NSW YORK CIT7 

[61 Chambers street ; incorporated 1860] 

JOHN J. PULLBTN, President. LOUIS V. O'DONOHUB, Secretary. 

MYl/BS TIBRNBY, Vlce-Preeident JOHN S. DATA'. Comptroller. 

JAMES CLARKE, Vice-President. JOHN T. BRENNAN, Deputy Comptroller. 

TRUSTEES 

L. V. O'DONOHUB, JOHN J. PULLEYN, F. P. PITZPATRICK. 

C. V. FORNES, JOHN G. O'KEBFFB, ROBERT L. HOGUBT, 

MYLBS TIBRNBY. HENRY HEIDE. EDWARD F. McMANTJS, 

JOSEPH P. GRACE. JOHN J. DEBRY, NICHOLAS F. BRADY. 

M. F. MCDBRMOTT, JOHN D. RYAN. THOMAS W. JOHNSON. 

JAMES CLARKE, THOMAS B. MURRAY, FRANK S. GANNON. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $85,065,578 

Stock and bond investments, viz.: 

Par Ori^rinal Estimated 

Stocks and bonds vdlue cost market vahie 

United States 111,000,00000 $10*861,243 80 $11,000,000 00 

State of New York 7,100,000 00 7,311.712 11 7,261,000 00 

State of Alabama 1,000,000 00 1.068,098 62 980,000 00 

State of AriBona 250,000 00 252,72175 265,000 00 

State of California 834,000 00 826.008 64 834,690 00 

State of Massachusetts 1, 855, 000 00 1, 980, 421 49 1, 634. 560 00 

State of New Mexico 250, 000 00 251, 875 00 247, 500 00 

Cities in other States 6,900.138 00 6,056.954 38 6.837,866 19 

Cities in this State 12,752,948 55 13.510,124 41 18,003,830 63 

Counties in this State 1, 406, 208 66 1, 469, 794 79 1, 476, 777 00 

Towns In this State 1, 022, 884 57 1, 061. 536 66 1. 062, 157 66 

Villages in this State 18.000 00 18.189 48 17,416 00 

Railroad mortgage bonds.... 46.190.162 58 46,028.671 40 41,311,804 12 

188, 579. 332 36 $90. 686. 351 51 $84. 911. 600 49 



00 



84,911,500 49 

Promissory notes 12,739 02 

Banking house ajid lot, book value, $2,750,000; cost, $4,441,, 

636.33; actual cash value ' 2,760,000 00 

Other real estate, book value, $2,250,416.88; cost, $2,250,- 

416.88; actual cash value 2,232,500 00 

Cash on deposit in banks or trust comrpanies 5,571,241 57 

Cash on hand 1 ,015,586 35 

Total of collectible interest 2,724,390 80 

Amount of all other assets, viz.: 

Liberty Bonds for .subscribers $266.000 00 

U. S. certificate of indebtedness 1,000.000 00 

1,266,000 00 

$185,549,536 23 

LIABILITIBS 

Amount due depositors, viz.: 

Principal $171,782,823 80 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 3,267,628 67 



$175,040,351 87 

Other liabilities, viz.: Liberty Bond deposits 21,890 00 

Surplus on market value 10,487,294 36 

$185,549,536 23 
Surplus on par value, $14,155,126.23. ====== 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $8,988,494 09 

From depositors, not including dividends credited 37,015,589 72 

From interest on loans, deposits and investments 7,880,076 60 

From rents from banking house 226,763 37 

From rents from other real estate 99,199 47 

From mortgages 2,673,974 00 

From redemption of stocks aaid bonds 6,624,469 00 

From bankers' acceptances and hills of exchange 532,303 66 

Fpom real estate sold 11 ,800 00 



New Yobk County 179 

From all other sources, viz. : 

Ubertj Loan Bonds $2,090,536 00 

Sale of old machinery 4,500 00 

DlMoanted bank books 19,604 76 

CloslniC sundry dormant accounts 2,116 76 

$2,05 6,755 50 

$66,009,425 31 



PAYMENTS 

To depositors, including dividends jmid to them $37,343,473 37 

For loans on bonds and mortgages 663 ,950 00 

For bankers' acceptances and bills of exchange 532,303 56 

For stocks and bonds purchased, including premiums, commis- 
sions, etc, (total par value, $18,463,927.27) 18,247,534 46 

For interest (other than dividend payments to depositors) . . . 59,425 03 

For current expenses of the bank, viz.: 

For salaries 1226,253 73 

For taxes Banking house, 170,066.20; surplus, $27,- 

338j68 »7.424 88 

For expenses, except taxes, of banking house : 

Repairs 34,988 54 

Insurance 2.399 27 

Other 113,578 64 

Fbr expenses of other real estate, vis. : 

Repairs 34,750 04 

Insurance 6,21679 

Taxes 50,667 84 

Other 32,119 80 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 70.553 73 

668,943 26 

Other payments, viz.: 

Uberty Loan Bonds $1,856,216 00 

Permanent ImproTements to other real estate 17, 944 70 

Discounted bank bookp, judgment on depositors' acct 32,808 01 

1,906,967 71 

Cash on hand and in banks or trust compaiiics December 31, 

1918, after transactions of the day 6,586,827 92 

$66,009,425 31 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 186,766 

Xumfoer of accounts opened or reopened during the year. . . . 27,494 

Number of accounts closed during the year 23,343 

Amount deposited during the year, not including dividends 

credited for that period $37,015,589 72 

Amount withdrawn during the year 37,343,473 37 

Amount of dividends credited and paid for the year, viz. : 

Jnly 1.1918 $3,230.192 83 

Jmnoary 1, 1913 3,257.628 67 

6,487,721 40 

Average amount of each account January 1, 1919 937 21 

Xumber of aooounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising fronr society accounts, or 
jiuUcial 8ale», or trust funds, or by order of a court of 

record or of a surrogate 1 

Total amount of such accounts $3 ,292 66 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six montlis 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of pr^niimis and discounts $8,192,802 40 

Total expenses of the bank for the year 1918 668,943 26 

Dividends paid to depositors for the year 1918 6,487,721 40 

Net earnings for the year 1918 over expense and dividends 
paid to depositors 1,036,137 74 



180 Repobt ok Savings Banks 

78. EMPHUD CITT SAYINGS BANK, NSW YORK aXY 

cm West 126th street ; IncoriKirated 1889] 

RICHARD B. COCHRAN, President A. 8. VAN WINKLOtSecreUiy. 

JOHN H. LOOS, Vice-President HOWARD C. MURPHY, Asst Secy. 

JOSEPH WALKER, Jr., Vice-President 

TRUSTEES 

WILLIAM MO0RE8, EDWARD C. DBLAFIELD. RICHARD E. COCHRAN, 

JOHN H. LOOS. GEO. H. TAYLOR, CURTIS J. HEARD, 

ARTHUR B. WOOD, LYBiAN T. DYER, JOSEPH WALKER, JR., 

WILLIAM T. KOCH. CHAS. W. DAYTON, M. L. KING, 

A. PARKER NBVIN, CARL A. KOELSCH, HARTWBLL A. WILiKINS. 

FINANCIAL 

RESOURCES 
Bonds and mortgageB $3, 135,250 00 

Stock and bond investments, vIjb.: 

Par Original Estimated 

Btoek9 and h<md9 value cost market value 

United States 1748,700 33 $742.273 23 $748,70038 

State of New York 50,000 00 58,261 76 66,500 00 

Cities in other States 206,896 00 217,084 42 208,607 98 

Cities In this State 373, 600 00 876, 737 42 842. 470 00 

Counties in this State 62,000 00 64,468 80 03,640 00 

Towns in this State 49,600 00 49,967 36 50, 027 60 

Villages in this State. ....... 36, 000 00 86, 489 97 38, 310 00 

Sdiool districts in this State 82,000 00 32,443 60 31.785 00 

Railroad mortgage bonds.... 980.484 84 1,017.794 81 968,606 96 

$2,638,68117 12,694,486 26 $2,497.647 77 



2,497,547 77 

Promissory notes 4 , tfOl 14 

Other real estate, book value, $263,745.06; cost, $270,415.76; 

actual cash value 263 ,745 06 

Gash on deposit in banks or trust companies 587,506 14 

Gash on hand 31,123 45 

Total of collectible interest 52,072 17 

Amount of all other assets, viz.: 

Rent accrued $75 00 

U. S. Thrift Stamps 67 25 

Liberty Bond account 40 00 

172 25 



$6,572,317 98 

LIABILITIES >- 

Amount due depositors, viz.: 

Principal $6,105,484 62 

Dividends credited or to be credited for the six 

manths ending with December 31, 1918 108,376 88 

$6,207,860 90 

Surplus on market value 364,457 08 



Surplus on par vahie, $405,490.48. 



$6,572,317 98 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $404,926 15 

From depositors, not including dividends credited 3,075,197 86 

From interest on loans, deposits and investments 269,080 30 

From rents from banking house • 7 ,080 00 

From rents from other real estate 26 ,928 43 

From mortgages 60.500 00 

From redemption of stocks and bonds 337 ,696 00 

From stocks and bonds sold (total par value $380,000) 380,000 00 

From real estate 1,919 82 



New Yobk Coukty 181 

From all other eourees, viz.: 

Uberty Loan accoont 1126,364 66 

Sntunarine damage 100 06 

> $126,464 66 

$4,680,7^ 22 

PATHSNT8 

To depositors, including dividends paid to them $2,518,306 91 

For loans on «tock» and bonds and other securities 6,820 06 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $1,362,900.36) 1,346,768 71 

For interest (other than dividend pajnooiaitB to depositors) . . . 5,682 16 

For corrent expenses of the bank, viz. : 

For salaries 181.287 18 

For taxes : Banking hoase, 12.931.10 ; surplus. I2.9G7.10 6,888 26 
For expenees. except taxes, of banking nouse : 

Repairs 130 67 

Insurance 427 06 

For rent of banking rooms 10.060 06 

^r expenses of otner real estate, vis. : 

Repairs «.«M » 

Insurance 1,688 84 

Taxes 6.987 84 

Other 6,417 16 

For other expenses, not inclndlnsr expenses of other 
real estate nor other expenses of banking hovse... 7.868 14 

66,562 64 

For real estate acquired by foreclosure, or in settlement ol 

debts due the bank 1 ,671 34 

Other payments, viz.: 

Liberty Loan account 1128,404 66 

Thrift sumps 57 26 

126,461 91 

Csflh on hand and in banks or trust eompanies December 31, 
1918, after transactions of the day 618,629 69 

$4,689,793 22 

STATISTICAL INFOBMATIOK 

Xmnher of open accounts January 1, 1919 19,631 

Xomfaer of accounts opened or reopened during the year 6,484 

Xmnber of accounts closed during the y«ar 4,666 

Amoont deposited during the year, not including dividends 

credited for that period $3,076,197 86 

Amoont withdrawn during the year 2,618,305 91 

Anioimt of dividends credited and paid for the year, viz.: 

July 1, 1918 186,268 20 

January 1. 1919 ltt.876 88 

Charged at other periods 18 27 

188,616 31 

Average amount of each account January 1, 1919 317 86 

Komber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the lajst trial balance of depositors' ledgers, 

except deposits sfising from society accounts, or judicial 

sales, or trust funds, or by order of a court of record or of a 

surrogate 2 

Total smount of such accounts $6,266 79 

Kate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 3H 

Hate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortisation of prenriuma and discounts $298,601 39 

Total expenses of the bank for the year 1918 66,662 64 

piWdends paid to depositors for the year 1918 188,616 31 

^et earnings for the year 1918 over expenses and dividends 

paid to depositors 44,432 44 



182 



Report on Savings Banks 



74. £XC£LSIOS SAVINGS BANK, NEW YORK CITT 

[79 West Twenty-third street; Incorporated 188S] 

WllAAAM jr. ROOME. President JOHN BURKE, Vice-President. 

WILLIAM H. BARRON, Vice-President JOHN C. GRISWOLD. ttecreury. 

ARTHUR PLAGE, Astt Secy. 



HENRY DAZIAN, 
WILLIAM H. BARRON. 
WILLIAM J. ROOME, 
JOHN BURKE, 
ROBERT J. HORNER, 



TRUSTEES 

WILLIAM CRAWFORD. 
BPHRAIM M. YOUMANS, 
HENRY D. BREWSTER, 
BENJ. A. HEGEMAN. JB., 
CLARENCE PRICE. 

FINANCIAL 
RESOURCES 



MICHAEL COLEMAN, 
SAFFORD S. DbLANO, 
CHARLES H. CLASS, 
WILLIAM H. WILLIAMS. 
LUCIUS S. STORRS. 



Bonds and mortgages 

Stock and bond investments, viz.: 

Par 

Stacks and bonds value 

United States $1,806,000 00 

State of North Dakota 10. 000 00 

State of New Mexico 1G8. 000 00 

State of Louisiana 250,000 00 

State of Oklahoma 250.000 00 

State of South Carolina.... 100,000 00 

State of California 300,000 00 

Cities In other States 1,364.000 00 

Cities In this State 193,250 00 

Counties In this State 41. 500 00 

Towns In this State 173.500 00 

Villages In this State 276. 392 28 

School districts in this State 303,000 00 

Railroad mortgage bonds — 3, 176. 624 00 



$10,320,225 00 



Original 

cost 

n. 797. 251 90 

10,686 00 

173.873 38 

244.649 80 

253.773 55 

99,875 00 

287.096 64 

1,426.303 93 

199.220 75 

42. 189 31 

194.8n 39 

294,637 26 

312.121 33 

8.088.788 28 



Estimated 

market value 

11,806,000 00 

9.900 00 

176.400 00 

256.370 00 

247.600 00 

100,000 00 

282,560 00 

1,403.020 00 

192.052 60 

40,996 00 

182,535 00 

281.121 94 

808.220 00 

2,798.188 96 



18, 412, 266 28 |8. 426. 338 52 $8, 064, 853 40 



Other real estate, book value, $613,801.06; cost, $616,640.83; 
actual cash value 

Cash on deposit in banks or trust oompanies 

Cash on hand 

Total of ooUectible interest 

Amount of all other assets, viz. : 

U. S. War Savings and Thrift Stamps 162 20 

Insurance premiums advanced 25 64 



8,084,853 40 

616,640 83 

942,683 32 

38,984 72 

273,057 10 



87 84 

$20,27 6,632 21 

LIABILITIES 

Amount due depositors, viz.: 

Principal $18,915,540 28 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 349,096 46 

$19,264,635 74 

Other liabilities, viz.: Deposits to secure payment of rent. . . . 158 34 

Surplus on market value 1,011,738 13 

$20,276,532 21 
Surplus on par value, $1,339,151.01. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1,124,712 62 

From depositors, not including dividends credited 6,310,985 50 



From interest on loans, deposits and investments, 

From rents from other real estate 

From mortgages 

From redemption of stocks and bonds 

From stocks and bonds sold (total par value, $1,258,000) ... 



883,482 02 

78,519 64 

390,050 00 

987,188 40 

1,257.595 60 



New York County 183 

From bankers' acceptances and bills of exchange $99,278 12 

from real estate sold ©5.000 00 

From all other sources, viz.: 

Gain and loss account; real estate account 17.078 64 

War Savings and Thrift Stamps 9,8&1 80 

Rent security account, insurance account, premiums 

and discount 2.308 71 

U. S. cerUflcate of indebtedness 200,000 00 

Liberty Loan Bonds 748.318 26 

HentB otlier real estate, insurance premiums re- 
funded 14.581 82 

983,135 23 

$12,179,947 

PAYMBNTS 

To depositors, including dividends paid to them $6,031,257 03 

Fot loans on Ixnids and mortgages 258, 000 00 

For bankers' acceptances and bills of exchange 99. 278 12 

For stodcs and bonds purchased, including premiunts, oom- 

missioDs, etc (total par value, $3,818,800) 3, 802, 359 44 

For interest (other than dividend payments to depositors) . . 6,790 27 

i*or current expenses of the bank, viz.: 

For salaries 153,020 08 

FV>r taxes: Surplus 8,118 36 

For expenses, except taxes, of banking bouse : 

Repairs 165 22 

Otber 404 68 

For rent of banking rooms 10.000 00 

For expenses of otner real estate, vis. : 

Repairs 17.286 84 

Insurance 2,47132 

T^es 14.612 86 

Other 31,768 87 

For otiier expenses, not including expenses of other 
real estate nor other expenses of banking house. .. . 12^841 64 

150.550 73 

For real estate acquired by foreclosure, or in settlement of 

debto due the bank 105.468 37 

Other payroente, viz.: 

Liberty I^oan Bonds, certificates of indebtedness.... $668,918 26 
War SaWngs and Thrift Stamps, insurance, revenue 

stamps 10,07101 

Real estate, profit and loss 64,584 82 

: 744,576 09 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 981 , 668 04 

$'T 27l79T947~d9 

STATISTICAL INFORMATION 

Number of open acooimts January 1, 1919 33, 698 

Xmnber of accounts opened or reopened during the year 8,317 

Number of accounts closed during the year 5,859 

Amount deposited during the year, not including dividends 

credited for that period $6, 310, 985 50 

Amount withdrawn during the year 6, 031 , 257 03 

Amount of dividends credrbed and paid for the year, viz.: 

Joly 1, 1318 1347,688 81 

JannaiT 1,1819 349,08& 46 

696,785 37 

Average amount of each account January 1, 1919 571 67 

Rate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Rate per cent, of divid*end8 to depositors during the six months 

ending Dec^nber 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $972, 882 48 

Total expemes of the bank for the year 1918 150, 550 73 

DlTidenda paid to depositors for the year 1918 696,785 37 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 125,546 38 



184 Kepobt on Savings Banks 

78. FRANKLIN SAVINGS BANK, NEW YORK aXY 

[66^-458 Elgbtb avenue ; Incorporated 1860] 

ERNEST K. 8ATTERLBB, President. WALTER B. BROWN. Secretary. 

JAMES R. TROWBRIDGE. Comptroller. HENRT P. AICHELE, Asst. Secretary. 

TRUSTEES 

BERNARD KARSCH, STUART DUNCAN, WM. L. DkBOST, 

HOWARD C. SMITH. T. FRANK MANVILLB, J. HARPER POOR, 

CHARLES A. WALKER, JOHN T. DOWNEY, ERNEST K. 8ATTERLER 

WILLIAM H. PORTER. SIMEON FORD, HENRY J. COCHRAN. 

JAMES R. TROWBRIDGE, THEODORE HETZLER, MICHAEL FRIEDSAM. 

H. K. TWITCHELL. WILSON M. POWELU 

FINANtJIA'L 
RESOURCE'S 

Bonds and mortgages $13,865,225 00 

Stock and bond investmenta, viz. : 

Par Original Estimated 

Stocks and bonds value cost market value 

United Statea 11.876.000 00 H. 867. 611 80 $1,876.000 00 

SUte of New York 626.000 00 648.006 00 640.760 00 

State of California 150.000 00 142.606 00 142.000 00 

State of Delaware 78.000 00 80.34000 77,220 00 

State of Idaho 130,000 00 133.477 60 129.100 00 

State of Massachusetts 560. 000 00 686. 146 35 496. 600 00 

State of Oklahoma 60.000 00 61.178 06 69.400 00 

Cities in other States 3.389.700 00 3.549.744 43 8.371,089 00 

Cities in this State 3,875,960 00 4.043.634 78 3,866.687 75 

Counties in this State 1.022.000 00 1.0I6.3U 48 1.014.510 00 

Railroad mortgage bonds. ... 2, 088, 000 00 2, 197. 136 40 1. 879. 510 00 

113,843.660 00 $14,366.068 80 $13,550.616 75 
— — = «=— =• $13,550,616 75 

Bcmking house and lot, book yalue, $200,000; coet, $441,092.66; 

actual cash value 200,000 00 

Other real estate, book v<alne, $124,378.66; coat, $152,675.34; 

actual cash value 124, 378 66 

Cash on deposit in banks or trust companiea 1 , 674, 968 48 

Cash on hand 41, 814 39 

Total of collectible interest 447.328 97 

Amount of all other assets, vis. : 

LlbertyBonds held for subscribers $118, 618 50 

U. S. war Savings Stamps 5,124 71 

123,643 21 



$30,027,975 46 

LIABILITIBS 

Amount due depositors, vis. : 

Principal $27,073,951 78 

Dlvidonds credited or to be credited for the six 

months ending with December 31, 1918 477, 108 34 

$27,501,060 12 

Surplus on market value 2, 526, 915 34 

$30,027,975 46 

Surplus on par value, $2,819,948.59. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1, 444, 000 56 

From depoaitors, not including dividends credited 8,343,440 64 

From interest on loans, deposits and investments 1,269,748 66 

From rents from other real estate 14,482 88 

From mortgages 233,000 00 



New York County 185 

Fnan redemption of stocks and bonds $1 ,080,050 00 

Prom stocks and bonds sold (toted par value, $540,000) 538,763 31 

From real estate sold 7, 500 00 

From all other sources, viz. : 

Refunds — Telephone, appraisals, insurance, taxes, 

compensation 1158 60 

Sundry credits, closed acoounts 108 00 

Liberty Loan account 968,519 50 

War Savings Stamps 12.477 42 

979,252 42 

$13,910,238 37 

PAYMENTS 

To depositors, including dividends paid to them $7, 883,760 86 

For loana on bonds and mortgages 11 , 000 00 

For stocks and bonds purchased, including premiums, com- 
missions, etc. (total par value, $3,060,000) 3,042,511 80 

For interest (other than dividend payment to depositors) . . 10,226 09 

For current expenses of the banlc, viz.: 

For salaries $06,779 87 

For taxes: Banking house, $9,394.98; surplus, $17,- 

846.45 27,24143 

For expenses, except taxes, of banking house : 

Repairs 1,116 15 

For expenses of other real estate, vis. : 

Repairs 2,821 84 

Insurance 484 32 

Taxes 3,178 32 

Ottier 3.84126 

For other exi>enscs, not including expenses of other 
real estate nor other exp^ises of (banking house. .. . 24,617 99 

129,976 68 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 13, 340 04 

Other paymente, viz.: 

Llbertr Loan Bonds $1,065.088 00 

War Savings Stamps 17.602 13 

1,102.640 13 

Ouh on hand and in banks or trust compcuiies December 31, 

1918, after transaction of the day 1, 716, 782 87 

$13,910,238 37 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 68, 397 

Number of accounts opened or reopened during the year 10, 027 

Number of accounts closed during the year 8, 576 

Amount deposited during the year, not including dividends 

credited for that period $8, 343,440 64 

Amount withdrawn during the year 7, 883, 760 86 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 $422.927 79 

January 1, 1919 427,108 34 

Credited at other periods 106 22 

860,142 35 

Average amount of each account January 1, 1919 470 93 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1*918 3% 

Total eaminga of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $1 ,269, 272 24 

Total expenses of the bank for the year 1918 129,975 68 

Dividends paid to depositors for the year 1918 850, 142 35 

Xei earnings for the year 1918 over expenses and dividends 

paid to depositors 289, 154 21 



186 Repobt on Savings Banks 

re. THE GREENWICH SAVINGS BANK, NEW YORK CITT 

[246-248 Slxtb avenue; iDcorporated 18S3] 

JAMBS QUINLAN, Prestdent L. D. QUACEENBUSH, Comptroller. 

DAVID M. MORRISON, Vice-President. WALTER TI. LYMAN. Asst. Comptroller. 
FRANCIS M. BACON. Jr.. Vic(>-Pre8ident. F. EUGENE COBB. Assistant Treasurer. 
CHARLES M. DUTCHER. Treasurer. HUBERT E. BROWER, Asst. Treasurer. 

CHARLES L. SEIBERT. Asst. Treas. 

TRUSTEES 

DAVID M. MORRISON, ARTHUR ISELIN, EDWTN G. MERRILL. 

JAMES QUINLAN, FRANCIS M. BACON, JR., ALBERT H. VVIGGIN. 

WM. B. STEWART, WM. WOODWARD, GATES W. McG.ARRAH, 

L. K. WILMERDING. GEORGE BLAGDEN, B. OGDEN CHISOLM. 

CHAS. D. DICKEY. HENRY C. SWORDS, THOMAS W. SLOCUM. 

THEO. F. WHITMARSH, ALLEN WARDWELL. C. MORTON WHITMAN. 

EDWIN 8. MARSTON, 

FINANaAL 

RESOURCES 

Bonds and mortgages .$32,684,000 00 

Stock and bond investments, viz.: 

Par Original Estimated 

8tock9 and honda value cost market rnlne 

United States 12.957,529 72 |2,957,529 72 12.967.529 72 

State of New York 650,000 00 706,697 33 708,000 00 

State of Massachusetts 2, 035, 000 00 2. 182. Ifi7 01 1, 826, 020 OO 

State of Rhode Island 295.000 00 326,286 16 277,300 00 

State of Maryland 400,000 00 402.175 91 396.00000 

State of Missouri 60.000 00 48.274 69 49.000 00 

State of Tennessee 600.000 00 616.02170 609.600 00 

State of California 300.000 00 292.019 13 288.140 00 

Cities in other States 7,602.000 00 7.978.995 62 7,263.016 00 

Cities in this State 7.782.558 33 8,142.963 78 7.672.008 06 

Railroad mortgage bonds 18,281.000 00 20,131,199 38 17,238,820 00 

$40, 763, 088 06 |43, 683, 330 33 $39. 186. 833 38 

^=_,=_=« ._= — _ _^,__^ 39,186,333 38 

Banking house and lot, book value, $250,000; cost, $611,686.52; 

actual cash value 300,000 00 

Other real estate, book value, $1,039,193.24; cost, $1,357,909.99; 

actual cash value 1 ,014,000 00 

Cash on deposit in banks or trust companies 3,090, 103 57 

Cash on hand 774,328 24 

Total of collectible interest 1,120,139 60 

Amount of all other assets, viz.: 

Rent accrued $1,066 98 

U. S. Thrift Stamps 4 96 

1,090 94 

$78,168.995 73 

LIABILITIES 
Amount due depositors, viz. : 

Principal 170.330.791 21 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 1.369.949 57 

$71,690,740 78 

Other liabilities, viz.. 

Held for mortgagor's account and for fire losses — |8i766 16 
ESzpenses incurred, hot unpaid 2.068 09 

10,823 25 

Surplus on market value 6,467 ,431 70 

$78,168 .995 73 

Surplus on par value, $8,035,186.37. 

CASH TRANSACTIONS DURING THE YEAR 191 S 

RECEIPTS 
Cash on hand and in banks or trust companies Jaruary 1, 

1918, before transactions of the day $5,129,529 46 

From depositors, not including dividends credited 10,323,043 64 

»om interest on loans, dejyosits and investments 3,412,563 97 

From rents from other real eetate 120,952 05 



New York County 187 

From mortgages $1 ,363,525 00 

From redemption of stocks and bonds 699,250 00 

Prom stocks and bonds sold (total par value, $1,561,056.82) . . 1,561,056 82 
From real estate sold 143,000 00 

From all other sources, viz.: 

Rentals of mortgaged property — account second 

mortgage 106.619 60 

Repayments — expenses, advances for mortgagors. ... 27,807 06 

Firie losses, receiver 4.684 83 

98,510 99 

$22,851,431 83 

PATMBNTS 

To depositors, including dividends paid to them $14,610,419 12 

For loans on bonds and mortgages^ 245 , 750 00 

For stodkS and bonds purchased, including premiums, commis- 
sions, etc (total par value, $3,251,158.50) 3,251,158 50 

For interest (other than dividend payments to depositors) .... 7>987 28 

For current expenses of the bank, viz. : 

For salaries $140,048 28 

For taxes : Banking honse, |9,006.40 ; surplus, 156,- 

0MJ5 65,062 86 

For expenses, except taxes, of banking house : 

Repairs 1,244 87 

Insurance 1,039 50 

Other 2,889 46 

For expenses of other real estate, viz. : 

Repairs 10,522 19 

Insurance 4,624 15 

TBXtiB 26,607 00 

Other 40.694 67 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 86,786 tt 

329,467 89 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 439,438 34 

Other payments, viz. : 

Mortgagor's rentals to second mortgagee |86, 896 84 

Alterations, other real estate 9. 292 61 

Advances for mortgagor's account 25.691 14 

T^ers* shortage — refunded 1,000 00 

102,778 89 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 3,864,431 81 

$22,851,431 83 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 100,010 

Number of accounts opened or reopened during the year 10,037 

Xumber of accounts dosed during the year 12 , 720 

Amount deposited during the year, not including dividends 

credited for that period $10,323,043 54 

Amount withdrawn during the year 14,610,419 12 

Amount of dividends credited and paid for the year, viz. : 

Julj 1, 1918 n.317,929 71 

January 1, 1919 1,369,949 67 

2,677,879 28 

ATerage amount of each account January 1, 1919 716 83 

Rarte per cent, of dividends to depositors during the six months 

ending June 30, 1918 3^ and 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, aiter allowing for 

amortization of premiums and discounts $3,408,679 60 

Total expenses of the bank for the year 1918 329,628 53 

Dividends paid to depositors for the year 1918 2,677,879 28 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 401 , 171 79 



188 Bepost of Savings Banks 

77. HASLKM SAVINGS BANK, NSW YORK QXT 

[IM Sut USth street ; Incorporated 18CS] 

WILLIAM B. TBOTTBB. Preeident. THOliAS K. EBBBT» Secretary. 

ORANYILLB F. DAILBY, Vice-Prei. FRBD'K 11. OALLAGHBR, Asat Secy. 

JOHN J. BELL, Yice-Preddent. ROBERT C. HART, Aest. Secretary. 

TRUSTEES 

WILLIAM B. TBOTTBR. HBNRY B. PTE, OUN J. STEPHENS. 

GBANVILLB F. DAILBT, JOHN F. STBBVES^ WARREN A. LEONARD. 

WILUAM SOMBRVILLE, WALTER P. SILLEtlK. ALEXANDER WALKEft, 

JOHN J. BBLU ERNEST V. CONNOLLY, THOMAS R. BBERT. 

FRANK B. WISE. A. B. WESTERV3&LT, RANSOM E. WILCOX. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $15,443,280 00 

Stock sad bond investments, viz.: 

Par Original Estimated 

Btoeka and lHmd$ value cost market value 

United States 11,717,06000 $1,717,060 0» 11,717.06000 

Stste of New Yoik 700,000 00 713,062 60 715,000 00 

State of Massachusetts 220,000 00 242,002 00 103,600 00 

State of Califonda 100,000 00 95.260 00 04.000 00 

State of Tennessee 200.000 00 209,820 80 208,000 00 

Cities in other States 660.000 00 681.432 66 622,600 00 

Cities in this State 4.185.630 00 4,262.873 49 4,100.82130 

Villages in this SUto 189,000 00 206,404 10 184.020 00 

Railroad mortgage bonds.... 6.246.000 00 6,407,12190 4,617,600 00 

113,206,680 00 $13,634,116 64 $12,462,691 30 

— — — =— — «=_=_= 12,452,691 80 

Banking house and lot, bo<^ value, $225,000; cost, $354,253.91 ; 

actui3 oaah value 225,000 00 

Other real estate, book value, $331,500; cost, $375,401.66; 

actual cash value 331 ,500 00 

Gash on deposit in banks or trust companies 1 ,818,967 46 

Gash on band 302,637 77 

Total of collectible interest 299,943 66 

$30,873,920 19 

LIABILITIES 
Amount due depositors, vis.: 

Principal $27,821,377 74 

Dlvidsnds credited or to be credited for the six 
months ending with December 31, 1918 606,770 64 

$28,328,148 28 

Snrphu on market value 2,545,771 91 

$30,873,920 19 
Surplus on par value, $3,299,860.61. 

CASH TRANSAGTIONS DURING THE YEAR 1918 

RECEIPTS 
Gash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 ,790,679 78 

From depositors, not including dividends credited 7,311,086 97 

From interest on loans, depoaits and investmoits 1,310, 140 10 

FnMn rents from other real estate 40, 121 74 

Pr<Mn nvortgages 566,020 00 

From redemption of stocks and bonds 188,290 00 

Fnxn stocks and bonds aold (total pax vnlue, $382,650) 382,650 00 

From real estate sold 257,323 92 

From all other sources, viz.: 

Receiverships 2,398 91 



$11,848,711 42 



Niw ToBK County 189 

PATUBNTI 

To depositors, including divideiids paid to them $7,353,8^7 99 

For loans on bonds and mortgages 245,000 00 

For stocks and bonds purchased, including premiums, eommis- 

sions, etc (total par value, $1,750»000) 1,790,000 00 

For interest (other than dividend payments to depositors) . . 626 63 

For current expenses of the bank, vis.: 

For Mlaries |tt.O« « 

For taxes: Banking house, |6»9(I8JW; attrpHiB, 

ia,iiit.g 80,110 tt 

R>r cBpenses, except taxes, of banking bonis : 

Repalnr 980 14 

Insnnnce 18S t7 

For exiienses of other real estate^ vis. : 

Repairs tt,687 97 

Insurance M8 87 

Tkxes 10^446 22 

For other expenses, not Inclading expenses of other 
nsl estate nor oth^ expenses of banking boose. . 14,981 H 

141,612 M 

For real estate aequired by foreclosure or in settlement of 

debts due the bank 296,129 03 

Cash on hand and in banks or trust compaiues December 31, 
1918, after transactions of the day 2,121,606 23 

$11,848,711 42 

STATI8T1CAL INFORMATION 

Xmnber of open aoeounts January 1, 1919 67,333 

Xumber of accounts opened or reopraed during the year .... 7,928 

Number of accounts closed during the year 9,685 

Amami deposited during the year, not including dividends 

credited for that period 17,311,066 97 

Asoui withdrawn during the year « . . 7,353,837 99 

Amotmt of dividends ere£ted and paid for tbe year, viz.: 

July 1, mS $441,97788 

Janoaiy 1. 1819 606,77064 

948,746 6ft 

Average amount of each account January 1, 1919 494 09 

Rate per cent, of dividends to depositors during the six months 

ending June 80, 1918 3H 

Rate per eent. of dividends to depositors during tbe six months 

enduig December 31, 1918 4 

Total earnings of the iMuik for the year 1918, after allowing for 

amortization of premiums and discounts $1 ,350, 177 33 

ToUl expenses of tke bank for the year 1918 141,612 54 

I>iTidends paid to d^epositors for the year 1918 948,748 52 

Ket earnings for the year 1918 over expenses and dividends 

paid lo dapoaitors 259,816 27 



190 Report on Savings Banks 

78. THE IRVING SAVINGS INSTITUTION, NEW YORK CITY 

[115 Chambers street ; Incorporated 1851] 

HAMPDEN E. TENER. President. GEORGE B. DUNNING, Secretary. 

HENRY KROGER. Vice-President. J. B. ANDERSON. Asslstont Secretaiy. 

JOHN O. WILLIAMS. Vice-President. 

TRUSTEES 

JOHN W. NIX, SAMUEL S. CONOVER, WILLIAM H. FRAME. 

HENRY KROGER, GEORGE B. DUNNING, JOHN J. WALTON, 

JOHN O. WILLIAMS, HAMPDEN E. TENER, WILLARD S. BROWN. 

WM. C. DEMOREST. SAMUEL B. DOWNES, GEORGE N. ROBINSON, 

JAMBS H. KILIX)UGH, JOHN TIEBOUT, WM. P. MORGAN, 

D. BEGKERMANN, EUGENE M. TRAVIS, WH. P. MASON. 

NATHAN F. VOUGHT 

FINANCIAL 
RESOURCES 

Bonds and mortgages $11,670,200 00 

Stock and bond investments, viz.: 

Par Original Estimated 

BtoekB and tonds value cost market value 

United States $905.375 50 1877,783 76 1906,875 50 

State of CaUfomla 50.000 00 48.246 45 48.60000 

State of Oklahoma 60.000 00 60,772 30 49,600 00 

State of Tennessee 100,00000 103,49140 104,00000 

State of UUh 50.000 00 49,22185 49.000 00 

Cities in other States 1, 561, 000 OO 1, 654, 828 9« 1, 558. 706 00 

Cities In this State 1,677.400 00 1,740,266 70 1,648.953 00 

Counties in this State 70.000 00 73,335 001 69,376 00 

Towns in this State 26.00000 26.707 20 24,980 00 

Villages in this State 96.500 00 101,806 60 91,566 00 

Railroad mortgage bonds.... 4,713,000 00 4,911,977 18 4,317,610 00 

|9. 299, 275 50 |9. 638, 429 26 |8, 867, 663 60 



8,867,563 60 
Banking house and lot, book value, $80,000; coat, $115,000; 

actual cash value 80,000 00 

Other, real estate, book value, $163,902.54; cost, $167,785.65; 

actual cash value 167f 786 65 

Cash on deposit in banke or tru6t companies 69<3, 946 42 

Cash on hand 98,875 56 

Total of collectible interest. 206,669 99 

$21,685,041 12 

LIABIIJTIBS 

Amount due depositors, viz.: 

Principal 119,938,266 76 

Dividends credited or to be credited for the six 
ninths ending with December 31, 1918 88S,106 04 

$20,324,361 80 

Surplus on market value 1,360,679 32 

$21,685,041 12 
Surplus on par value, $1,792,391.32. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1,470,715 18 

From depositors, not including dividends credited 3,030,668 87 

From interest on loans, deposits and investments 1,009,363, 63 

From rents from other real estate 9,949 GO 

From mortgages 247, 550 GO 

From redemption of stocks and bonds 404, 750 GO 

From stocks and bonds sold (total par value, $1,018,876.27) . . 1,000,079 57 

From loans paid 100, 000 OO 

From all other sources, viz. : Thrift Stamps 172 OO 

$7,273,267 25 



New York County 191 

payments 

To depositors, including dividendA paid to them $4, 87 1,882 23 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $1,502,62») 1,475,037 26 

For interest (other (than dividend payments to depositors) . . . 5*629 36 

For current expenses of the bank, viz. : 

For salaries |36,48J97 

For taxes: Banking Siouse, |l,98&.0O; surplus, 

|8,06&J6 !?: 10.06126 

For expenses, except taxes, of banking house : 

Repairs 236 28 

Insurance 24 34 

Other 579 62 

For expenses of other real estate, vis. : 

Repairs 1,447 60 

Insnrance 317 62 

Taxes 1,583 OO 

Other 2,706 87 

For other expenses, not includittsr expenses of other 

real estate nor other expenses of banking house.. 6,670 42 

60,010 78 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 107, 785 05 

Other payments, viz. : ITirift Stamps 100 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 692,821 98 

$7,273,267 26 

STATISTICAL INFORMATION 

Kmnber of open accounts January 1, 1919 22, 416 

Komber of accounts opened or reopened during the year 1,904 

Nmnber of accounts cioeed during the year 3, 078 

Nomber deposited during the year, not including dividenda 

credited for that period $3,030,688 87 

Amoimt withdrawn during the year 4,871 ,882 23 

Amoimt of diTidenda credited and paid for the year, viz. : 

July 1, VnS 1398,62179 

January 1, 1919 386,106 04 

784,727 88 

Average amount of each account January 1, 1919 900 69 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discoimts $1 , 001 , 683 25 

Total expenses of the bank for the year 1918 60, 010 78 

Dtvidends paid to depositors for the year 1918 784, 727 83 

2^€t earnings for the year 1918 over expenses and dividends 

paid to depositors 156,944 64 



192 Hepobt on Savings Banks 

79. ITALIAN SAVINGS BANK OF THE CITT OF NSW TOKK 

[64--M Sprtng street; incorporated X896] 

JOSEPH N. FHANCOLINL President BERNABD J. McOANN, Treasurer. 

DOHBNICO SALADINO. Vice-President PA8Q€ALB 1. SiMONBI/Ll, SecreUry. 
JOHN £»LTON WAYLAND, Vice-President. 

TRUSTEES 

DOMENICO ABBATB, CBL.B8TIN0 PIVA, ANTONIO STELIiA, 

ANTONIO C. ASTAKITA, DOMENICO SALADINO, JOHN ELTON WAYLAND, 

NICHOLAS J. BAKttBTT, P. I. SIMONELLI, ALEXANDER 8. WBBB, 

VITO CONTESSA. BERNARD J. McCANN, ANTONIO ZUCCA, 

JOS. N. FRANCOLINI. QBORGB W. LOFT, ROBERT W. BERNARD. 

ANTONIO PISANI, GIAMBATISTA VITBLLI. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $4, 175, 586 00 

Stock and bond investments) viz.: 

Par Original Estimated 

■Stocks and hondi value cost market value 

United States n. 287, 160 00 n> 249, 944 70 n.267.1£0 00 

State of New York 24.000 00 24,696 00 23.700 00 

Cities In other States 2S0.O0O 00 267,186 25 265,010 00 

Cities in this State 261,700 00 367.766 84 200,067 25 

Villages in this State 26,000 00 25,098 76 24.260 00 

Railroad mortgage box»ds. ... 1. 000. 000 00 1, 111, S98 75 1, 024. 840 00 

12. 926. 860 00 |2, 945. 976 29 |2. 865, 097 26 



2,865,0^7 25 

Promissory notes 345,000 00 

Otlier real estate, book value, $72,18d.6&; cost, $72,183.69; 

•ctusl cash value 72, 183 69 

CwBh on deposit in banks or trust companies 622, 028 92 

Cash on hand 63, 943 96 

Total of collectible interest 56,231 76 



$8,200,070 58 



LIABILITIES 

Amount due depositors, vi£. : 

Principal $7,660,464 65 

Dividends credited or to be credited for the six 

months ending with December 31. 1918 109.229 64 

$7,769,694 29 

Other liabilities, viz. : Liberty Bond deposits 42, 896 00 

Surplus on market value 387,480 29 



$8,200,070 58 



SurphiB on par value, $449,233.04; 



CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $565,409 06 

From depositors, not including dividends credited 4,401,914 21 

From interest on loans, deposits and investments 322,055 06 

From rente from other real estate 2, 915 62 

From mortgages 98, 665 00 

F^m redemption of stocks and bonds 1, 373, 800 00 

From baiters' acceptances and bills of exchange 75, 000 00 

From real estate sold 8,301 34 

From all other sources, vis. : Liberty Loan club 281 ,183 00 

• 

$7,129,243 29 



New York County 198 

patmbmtb 

To depontoFS, including dividends paid to thfim $2> 978i 682 75 

For loans on bonds and mortgages 129f 000 00 

For loans on etocks and bonds vkd other securities 420,000 00 

For stock and bonds purchased, including premiums, commis- 

fiions, etc (total par value, $2,564,700) 2,540*888 28 

For interest (other (tnan dividend payments to depositors) .... 4,602 92 

For current expenses of the bank, vis. : 

Pi>r BaUries 124,86171 

Fbr taxes: Sarplns 1,976 IS 

For rent of banUnir rooms 4,1U 88 

For expenses of other real estate, vis. : 

Repsirs 8W 80 

Ttaes 878 80 

For other expensea not Inclodinf expenses of other 
real estate nor other expenses of bankiiig house.. 11,884 14 

43,662 18 

For reel estate acquired by foreclosure, or in settlement of 

debU due the bank 64,774 28 

Other pavments, vis. : Liberty Loan Club 271 , 820 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 686,972 88 

$7,129,243 29 

STATISTICAL INFORMATION 

Nmnber of open accounts January 1, 1919 20, 696 

Number of accounts opened or reopened during the year 4, 627 

Number of accounts closed during the year 3, 272 

Amonnt deposited during the year, not including dividends 

credHed for that period $4,401,914 21 

Amount withdrawn during the year 2, 978,632 76 

Amoont of dividends credited and paid for the year, vis. : 

Jiiljl«lfl8 188,608 88 

Jasoary 1, 1818 108,288 84 

207,736 66 

Average amount of each account January 1, 1919 371 00 

Bate per cent, of dividends to depositora during the six months 

ending June 30, 1918 3^ 

Bate per cent, of dividends to depositora during the six months 

ending December 31, 1918 3% 

Total earnings of the bank for the year 1918, after allowing for 

smortiaation of premiums and discounts $329,200 34 

To^ expenses of the bank for the year 1918 43,662 18 

Dividends paid to depositors for the year 1918 207,736 66 

Net earnings for the year 1918 over expenses and dividends 

paid to dqwritora 77,811 60 



1«4 



Repoet on Saviivjs Bakks 



Sa MAIDEN LANE SAVINGS BANK, NEW YOHK CITY 
[170 Broadway ; Ineorporated 1908] 



r. A. RINGLER, President. 
CHARLES R. JUNG. Vice-President. 



HUGO II. RITTERBUSCH, Vice^Pres. 
J. HEYNBN, Secretary. 



TRUSTEES 

\?AA9^' COKEFAIR, AUG. OPPBNHEIMER, C. EDWARD BILLQUI8T. 

JOHN Q. ADAMS, F. A. RINGLER, CHAS. W. LUCAS, 

CHARLES R. JUNG. HUGO B. ROELKER, JOHN P. WINDOLPH, 

^BURTON HALL. ROBT. 8CHALKENBACH. JACOB VFBRNER, 

WALTER G. KING. LEOPOLD STERN, HUGO H. RITTERBUSCH. 



FINANCIAL 
RESOURCES 



Bonds and mort^age^ . . 
Stock and bond investments 

Stocks an4 honda 

United States 

State of Oklahoma 

State of New Mexico 

Cities in otber States 

Cities in this State 

Counties iik this State 

Vlllasea in this State 

Railroad mortgage bonds — 



$1,267,725 00 



, VIZ.: 
Par 

value 

$290,250 00 

42,500 00 

14.500 00 

106.077 00 

138,900 00 

13.000 00 

14.500 00 

216,000 OO 



Original 
cost 

1290,250 00 
43.012 OS 
14.526 25 

107.442 38 

139. 2S5 00 
13,192 97 
14.562 46 

206,777 08 



Estimated 

market value 

$290,260 00 

42.076 00 

14.625 00 

106,192 38 

133.771 00 

12.676 00 

14.670 00 

185,420 00 



834. 727- 00 |828, 908 17 |799. 478 38 



Promissory notes 

Other real estate, book value, $91,941.39^; cost, $91,941.39; 

actual cash value 

Caah on deposit in banks or truet companies 

Caah on band 

Total of collectible interest 



799,478 38 
1,580 00' 

91,941 39 

129,455 21 

10,943 38 

30,984 42 

$2,332,107 78 



LIABILITIES 

Amount due depositors, viz.: 

Principal 12,258,670 69 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 38.532 98 



Surplus on market value 



$2,297,203 62 
34,9(M 16 

$2,332,107 78 



Surplus on par value, $70,152.78. 



CASH TRAX'SACTIONS DURING THE YEAR 1918 

RECEIPTS 



Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day 

From depositors, not including dividends credited 

From interest on loans, deposits and investments 

From rents from ottier real estate 

From mortgages 

From redemption of stodcs and bonds 

From stocks and bonds sold (total par value, $390,950.00) . . 

From loans paid 

From real estate sold 



$84,671 74 

1,535,028 08 

109,652 14 

6,652 00 

54,450 00 

181,247 OO 

390,950 OO 

680 00 

26,000 00 



$2,389,330 96 



New York Couwtt 195 

patmionts 

To depoiiitors including dividends paid to them $1,567,825 78 

for loans on bonds and mortgages 24 , 000 00 

For loans on stocks and bonds and other securities 2,260 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $495,199.93') 495, 199 93 

For interest (other than dividend payments to depositors) . . . 1,850 94 

For current expenses of the bank, viz. : 

F\Dr salaries $9,208 16 

For taxes: Surplus 284 72 

For rent of banklner rooms 2,600 00 

For expenses of other real estate, viz. : 

Bepalrs 2,460 11 

Insurance 797 68 

Taxes 2,766 70 

Other 96237 

For other expenses, not Including expenses of other 
real estate nor other expenses of ban-king house.. 3,408 24 

22,357 07 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 23,633 40 

Other payments, viz. : 

Repajment of loans 1104,262 60 

Improvement to real estate 7, 141 86 

War Sayings Stamps 400 00 

111,804 35 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 140,398 59 

$2,389,330 96 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 7,403 

Number of accounts opened or reopened during the year. ... 2,010 

Xomber of accounts closed during the year 1,863 

Amount deposited during the year, not including dividends 

credited for that period $1 ,535,028 08 

Amotmt withdrawn during the year 1 ,567,825 78 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1318 138,92272 

January 1, 1919 38,632 93 

77,455 65 

Average amount of each account January 1, 1919 310 30 

Bate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $116,581 99 

Total expenses of the bank for the year 1918 26,620 47 

IHvidenda paid to depositors for the year 1918 77,455 65 

Net earnings for the year 1918 over expenses and dividends 

paid to 'depositors 12 , 605 87 



196 Repobt oisr Savings Banks 

THE MANHATTAN SAVINGS INSTITUTION, NEW YOSK CITY 

1 644-646 Broadway ; Incorporated 1860] 

CONSTANT M, BIBD. President. ARTHUR STILES^ Secretary. 

BENJAMIN GRIFFEN, Vice-President. DAVID SANDSi Assistant Secretary. 

TBUSTEES 

BENJAMIN GRIFFEN, WALTER C. STOKES, FREDERIC W. FROST, 

EDWARD V. Z. LANE, CONSTANT M. BIRD. THOMAS fi. LOVBJOY. 

RICHARD LATHERS, JB., PHILIP J. ROSS. BDMOND L. KNOEDLER, 

ROBERT A. MCKIM^ FRANCIS B. GRIFFIN, WALTER W. STOKES. 

EDWIN S. SCHBNCfc, HERBERT W. MORSE, ARTHUR C. CROMBRB, 

J. MCLEAN WALTON, Z. TAYLOR EMERY. ARTHUR STILES. 

FRANKLIN B. WARE, HARRISON K. BIRD, S. JOSEPH DRAKE. 

FINANCIAL 
RESOURCES 

Bonds and moTt^BLges $6,312,550 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States 1414.050 00 1414.060 00 |414.06000 

Cities in other State 330,000 00 358,582 65 308.000 00 

Cities in this State 1, 690, 000 00 1. 835, 382 50 1. 486. 700 00 

Towns in this State 116,000 00 115,000 00 106,72000 

Villages in this State 7.500 00 7,500 00 7,812 50 

Railroad mortgage bonds.... 1.486,000 00 1.607.137 50 1.310.480 00 

14, 042. 560 00 $4. 397, 652 65 $3. 63S, 262 60 



3,633,262 50 

Banking house and lot, book value, $550,000; cost, $810,169.09; 

actual cash value 550,000 00 

Other real estate, book value, $500,452.48; cost, $561,020.66 

actual cash value 500,452 48 

Cash on deposit in banks or trust companies 773,202 51 

Cash on hand 71,295 71 

Total of collectible interest 85,066 34 

Amount of all other assets, viz. : Rent accrued 420 50 

$11,926,250 04 

LIABILITIES 

Amount due depositors, viz. : 

Principal $10,764.628 09 

Dividends credited or to be credited for the six 

months ending with December 31. 1918 183,516 80 

$10,948,144 89 

Other liabilities, viz.: Liberty Bond deposits 81 ,041 49 

Surplus on market value 897,063 66 

$11,926,250 04 

Surplus on par value, $1,306,351.16. 

CASH TRANSACTIOXS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $631 ,356 28 

From depositors, not including dividends credited 3,387,288 38 

From interest on loans, deposits and investments 500,669 20 

From rents from banking house 20,000 00 

From rents from other real estate 46 , 307 84 

From mortgages 413,850 00 

From redemption of stocks and bonde 102,500 00 

From stocks and bond's sold (total par value, $736,500) 728,551 39 

From real estate sold 10,000 00 

From all other sources, viz.: 

Liberty Loan account |23,G23 00 

Settlement of legal action 2,50000 

26,123 00 



$5,866,646 09 



Nuw York County 197 

PAYMENTS 

To depoBitore, including dividends paid to them $4,082,290 26 

For loans on bond and mortgages 60 , 500 00 

For stocks and bonds purchased, including premiums, commis- 

Bions, etc (total par value, $619,300) 619,300 00 

For interest (other than dividend payments to depositors) .. 1,377 45 

For current expenses of the bank, viz.: 

Ty» salaries 140,395 41 

For taxes: Banking house, |7,366.80; surplus, 

|6,6«S.18 18,932 98 

For expenses, except taxes, of banking house : 

Repairs 3.660 18 

Insurance 1,130 52 

Other 11,813 76 

For expenses of other real estate, vis. : 

Repairs 7,48168 

Insurance 3,020 26 

Taxes 10,40842 

Other 26,972 40 

For other expenses, not including expenses of other 
real estate nor other expenses of banking bouse.. 12,896 49 

131,611 99 

For real estate acquired by foreclosure, or in settlement of 

debU due the bank ^ 126,808 17 

Other payments, viz. : Liberty Loan accoimt 260 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 844,498 22 

$5,866,646 09 

STATISTICAL INFORMATION 

Nomber of open accounts January 1, 1919 21 ,244 

Xumber of accounts opened or reopened during the year. ... 3,512 

Xumber of accounts closed during the year 3,593 

Amoont deposited during the year, not including dividends 

<9edited for that period ' $3,387,288 38 

Amount withdrawn aurin^ the year 4,082,290 26 

Amoont of diTidends credited and paid for the year, viz.: 

Jnly 1, 1918 $178.520 44 

January l, 1919 183,616 80 

362,037 24 

Average amount of each account January 1, 1919 515 35 

Bate per cent, of dividends to deposito/s during the six months 

ending June 30, 1918 3% 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 3% and 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discoimts 553,295 44 

Total expenses of the bank for the year 1918 132 ,567 43 

Oividends paid to depositors for the year 1918 362,037 24 

Xet earnings for the year 1918 over expenses and dividends 

paid to depositors 58,690 77 



198 Bepobt on Savings Banks 

82. METROPOLITAN SAVUfOS BANK, NSW YORK CITY 

[1-3 Third ayenae; incorporated 1863] 

ROBERT D. ANDREWS^ President. BDWARD H. SWAN. Vice-President 

AUGUSTUS K. SliOAN, Vice-President. FRANCIS H. MOFFBT. SccreUry. 

TRUSTEES 

AUG. 8. HUTGHINS, AUGUSTUS K. SLOAN, THOMAS DARLINGTON. 

JONATHAN B. CURRBY, ROBERT D. ANDREWS, JOHN 8. SPENCER. 

WALDO HUTCHINS, AUGUSTUS H. BANDS, BDWARD S. PEGRAM 

LEE W. GROVBS, EDWARD H. SWAN, H. R. ANDERSON, 

WILLIS 8. PAINE, WILLIAM C. EDWARDS, PRESTON P. LTNN. 

FINANCLAIi 
RBSOURCSa 

Bonds And mortga^s $8, 141,693 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds valve cost market value 

United States $1,138,300 00 $1,133,84000 $1,138.300 00 

State of Massachusetts 200.000 00 213,260 00 175,600 00 

Cities in other States 1.221.000 00 1.268,41145 1.179,626 00 

Cities in this State 2.022,90000 2,062,369 60 1.892.986 00 

Railroad mortgage bonds. ... 2, 131. 000 00 2. 183, 846 26 1, 834. 620 00 

$6, 713, 200 00 $6. 861, 707 20 $6, 220. 930 00 



6,220,930 00 
Banking house and lot, book value, $95,000; oo0t, $243,346.21; 

actual oash value 95,000 00 

Other real estate, book value, $320,678; cost, $320,678; actual 

oash value 263, 764 36 

Cash on deposit in banks or trust companies 661 , 009 08 

Cash on hand 31 , 929 13 

Total of collectible interest 140,013 15 



$15,554,338 72 

LIABILITIES 

Amount due depositors, viz. : 

Principal $14,440,210 21 

Dividends credited or to be credited for the six 

months ending with December 81, 1918 274, 904 10 

$14,715,114 31 

Surplus on market value 839,224 41 

$15,554,338 72 



Surplus on par value, $1,331,494.41. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January I, 1918, 

before transactions of the day $831 , 683 97 

From depositors, not including dividends credited 3, 196,770 02 

From interest on loans, deposits and investments 672,822 84 

From rents from banking house 3, 937 13 

From rente from other real estate 21,511 98 

From mortgages 95, 970 00 

From redemption of stocks and bonds 170,000 00 

From stocks and bonds sold (total par value, $616,537.20) 613,637 20 

From real estate sold 7, 756 69 

From all other sources, viz.: 

Liberty Loan accoant $10,098 00 

Interborough Company account 826 OO 

10,923 00 



$5,625,012 83 



New York Couktt 199 

patmbmtb 

To depofiitore, including dividends psid to them $3, 504, 951 26 

For loans on bonds and mortgages 27 » 000 00 

For stocks and bonds purchasedly including premiums^ oommis- 

ttODS, etc (total per ralue, $1,^25,402^0) 1,320,007 16 

For interest (other than dividend ^ymento to depositors) . . . 2,803 63 

For current expenses of the bank, viz. : 

R)r salaries |2S,884 61 

For taxes: BanUng house, |2,222.86 ; surplus, 

I8.CTO.40 Tr. 10.8a » 

For ezpeuses, except taxes, of twnklng house : 

Repairs 876 11 

Insurance 207 96 

Other 26 90 

For expenses of other real estate, vis. : 

Repairs 10,772 62 

Insurance 262 61 

Taxes 5,449 16 

For other expenses, not including expenses of other 
leal estate nor other expenses of banking house.. 14,170 57 

66,02» 7» 

For real estate acquired by foreclosure, or in settlement of 
debts due the bonk 11,382 79 

Cash on hsjid and in banks or trust companies December 31, 
1918, after transactions of the day 092, 938 21 

$5,625,012 83' 

STATISTlOAIi INFORMATION 

ITamber of open accounts January 1, 1919 10,444 

Number of accounts opened or reopened during the year. .. . 2,807 

Number of accounts closed during t&e year 4,286 

Amoimt deposited during the year, not including dividends 

credited for that period $3,106,770 02 

Amount withdrawn during the year 3,504,951 26 

Amoimt of dividends credned and paid for the year, viz.: 

Jalj 1, ims $275,71898 

Jannary 1, 1919 274,904 10 

650,623 08 

Average amount of each account January 1, 1919 756 79 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts 694 ,909 89 

Total expenses of the bank for the year 1918 65,929 70 

Dividends paid to depositors for the year 1918 550,623 03 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 78,357 02 



200 Bbpobt or Savjmos Bahkb 

M; aXW TOKK SAVnOS BASX, mew TOSK OTT 

m Bchtb annM: IwwpoiktBd 1M4) 

tnLLIAH rSUIHOSB. FrwIdMt. WAI/TSB B. BRINCEEBHOFr. Bec. 

AUCXANIHCR M. WaJCB. TIcw-PiM. JAMBfl L. WANDUHO, Tromrer. 

C. L. BLABELOCX, AmL Tmuwcr, 

TfiUSTKBS 

ALBXANDEB M. WBLCB, HBBBBBT D. BBOWN, WILLIAH W. HALL, 

WILLIAM FBL8IM0BB. PBAME B. miDT, WILLIAM J. SLOAN^ 

IAMBS L. WAKDLIMO, THOMAB P. SPBHCBB, W. B. BB1NCKBBB07T, 

BIBB D. COBDTS, TILLIAM J. HOE. JOHN A. DDTTON. 



FINANCIAL 




BEBOUBCEB 










m^^U,TU.: 
















marfeet ralae 


tl.7IS.J»l» 


RJU.M6W 


R7M.M0 00 


















































nda.... t.BT.OODCO 


MJ74,«i, m 




pi,nD,iu » 


nS.MG,M4 74 


ttl.nL7K 00 












a.wooo 



Fromiuory notes 

Banking houM tod lot, book ralhie, $ZfiO,000; eort, «440,861.80i 

actual CMh Talne 860,000 00 

Other tmI eatabft, bodt nJua, 9420,808.71; co«t, 9437,901.68; 

at^tnal euh ralu« 480,808 71 

Cash on depo«it in banka ot trust compuile* 2,300,730 72 

Caah on hud 64,286 21 

Total of ooUecUble intweat 430,1^ 85 

■»48,4«3,12« 4» 

LIABIUTIBS 
Amount due depoalton, vici 

PriBclpil Hl,T«4.00><t 

DIvMandt cradltsd or to b« <r«dlt«d (or the lii 

montlli endltla with December 31, UU S34,tG> «0 

W4.fllB.4«0 16 

Surplus on maiket ralue 3,844,660 33 

948,463,128 49 

Surplus on par value, 94,663,264.33. 



Cash Ml hand and in banks or trust companiea January 1, 

1918, before transactions of the daj 93,134,344 40 

From depoeitof*, not inchiding diTideods credited 7,906.872 84 

From interest on loans, deposits and inTestmmts 2,127,9TG S8 

From rents from other rest estate 44,400 63 

From mortgs^ 767,562 53 

From redemption of tloiA.i and bonds 3,286,000 00 

Ftom stocks and bonds sold (total par value, 91.004,360) 1.004.350 00 



New York County 201 

From loans paid $400 00 

From real estate sold 113,650 00 

From all other sources, viz.: 

From Insurance, fire losses |8M 76 

iDsnnnoe premiums rinded SIM 

Seiita» real estate under foreclosure ns 10 

1,222 81 

$18,385,470 00 
PAYMENTS 

To depositors, including dividends paid to them 19* 802, 227 88 

For loans on bonds and mortgages 383» 000 00 

For loans on stocks and bonds and other securities 5» 860 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $6,046,500) 6,025,376 00 

For interest (other than dividend payments to depositors) . . . 11 » 620 96 
For current expenses of the bank, viz.: 

Forsalsries I81.694 70 

For taxes: Banking house, $6,076.50; surplus, 

|Z7^15J< 33,392 46 

i^>r expenses, except taxes, of tMinklng kouse : 

Repairs :. 767 X 

For expenses of other real estate, vis. : 

Repairs 6,711 18 

Insurance 3,67» 50 

Taxei 8,99121 

Other 12,466 16 

For other expenses, not Including expenses of other 

real estate nor other expenses of banking house.. 12,662 23 

160,144 68 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 121,041 88 

Other payments, viz.: 

Resl estate Imprcrements 18,898 30 

Commission, expense, ssle of resl estate 827 90 

Fire loss 67176 

10,292 96 

Cuh on hand and in banks or trust companies December 31, 

1918, after transactions of the day 2,366,015 93 

918,385,470 09 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 51,003 

Xumber of accounts opened or reopened during the year 6,819 

Number of accounts closed during the year 7 ,907 

i^iQount deposited during the year, not including dividends 

credited for that period $7,905,872 84 

Amount withdrawn during the year 9, 302, 227 68 

Amount of dividends credited and paid for the year, viz. : 

July 1.1918 $888,726 26 

JtatiaxT 1, 1919 884,469 69 

1 , 674, 184 94 

Average amount of each account January 1, 1919 874 81 

Hate per cent, of dividends to depositors during the six months 

cndmg June 30, 1918 4 

Bate per cent, of dividends to depositors during the tax months 

coding December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortisation of premiums and discounts $2, 175, 668 64 

Total expenses of the bank for the year 1918 164, 144 68 

Dividends paid to depositors for the year 1918 1,674, 184 94 

Net earnings for the year 1918 over expenses and dividends 

to depositors 341,339 02 



202 Report on Savings Banks 

84. HOSTH RIVER SAVINGS BANK, NSW YORK CITT 

[SI West S4th 8tr«et; Incorporated 1S66] 

CHARLES ROHB, President. GEK)RGE T. CONNBTT. Treasurer. 

RANALD H. MACDONALD. Vice-Pies. HERMAN F. DIBTBf ANN, Asst. TTeas. 
ALBERT B. A8HF0RTH, Vice-President HOBART 6. MILBANK, Asst. Secy. 

TRUSTEES 

GHARLB6 RQHB. CHARLES H. PARSONS, HENRT B. FISCH ER. _ 

R. H. HACDONaLd, T. a. BALU GEORGE T. CONNSIT. 

WILLIAM H. SAGE, THEODORE H. BANKS, FRANK PRESBRET. 

ALBERT B. ASHTORTH. ROBERT H. GOFFE. LAURENCE McGUIRB. 

JOHN A. HANCE. GEORGE G. FOSTER, THOMAS HILDT. 

CfiAS. W. CARPENTER, SAMUEL W. RETBURN. 

FINANCUL 
RESOURCES 

Bonds find mortgages $5, 105,651 05 

Stock and bond investments, viz. : 

Par Original Estimated 

8toek» oimI bonds ralne cost market yalue 

United SUtes |78S,660 00 1781.565 00 $7S1.S55 00 

State of New York 100,000 00 107.89063 110,00000 

State of MassacbosetU 300.000 00 329.069^0 264,00000 

State of Tennessee 60.00000 62,645 10 51,60000 

Cities In other States 896,000 00 946.625 66 879,660 00 

Cities in this State 925,000 00 996,200 48 964.226 00 

Counties in this State 110. 000 00 116. 206 39 118. 250 00 

Villaces in this SUte 103,000 00 104.807 28 106.040 00 

Railroad mortgage bonds.... 1,176,000 00 1,222.072 18 1,040,000 00 

$4,441,660 00 $4,664.868 71 $4,300,220 00 
«— — — ^= ==,»==^=« 4,300,220 00 

Banking bouse and lot, bode value, $237,000; cost, $237,000; 

actual cash value 237, 000 00 

Cash on deposit in banks or trust companies 442, 737 16 

Cash on hand 16,6&7 34 

ToUl of collectible interest 107,609 41 

Amount of all other assets, viz.: U. S. War Savings and 

Thrift Stamps 180 00 



$10,210,094 96 
LIABILITIBS 



Amount due depositors, vis.: 



Principal $9,416,972 16 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 164, 464 26 



Other liabilities, vie. : 

Liberty Bond deposits $12,992 60 

Rents received to be applied as per agreement 2,847 7S 



$9,581,436 41 



15,840 23 



Surplus on market value 612, 818 32 

$10,210,094 96 



Surplus on par value, $754,248.32. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCEIFTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $763, 044 13 

From depositors, not including dividends credited 2,972,336 62 

From interest on loans, deposit and investments 440, 838 35 

From rents froml other real estate 1 . 052 Ol 

From mortgages 85, 998 9?S 

From redemption of stocks and bonds 980,000 OO 



Nbw Yobk County 203 

Fron stocks and bonds sold (total par Talue, $739,650) $739,660 00 

From loans paid 98,921 87 

From real estate sold 55,000 00 

From all odier sources^ viz.: 

Interest, satisfaction pieces, appraisals, insurance 

pranlum |679 15 

Suretj bond premlnm, adjustment of rents, com- 
mission, insorance 4,830 88 

Uber^ Loan Bonds, War Savings Stamps 6S6. 607 43 

Deposit on account of sale of real estate 6,000 00 

647,017 46 

$6,683,869 39 

PAYMENTS 

To depositors, including dividends paid to them $3,263,055 48 

For loans on bonde and mortgages 30, 000 00 

For bankers' acceptances and bills of exchange 98,921 87 

For stocks and bonds purchased, including premiums, commi»- 

riona, etc (total par value, $2,175,050.) 2.172,955 00 

For interest (other than dividend paymenta to depositors).. 4,320 01 

For current expoises of the bank, viz.: 

For salaries $32.372 63 

For taxes: BaniclDg house, |7,698.52; surplus, 

16.821^ 13,419 76 

For expenses, except taxes, of banking house : 

R<»palr8 177 80 

Other 1,220 22 

For expenses of other real estate, vis. : 

Repairs 425 69 

Taxes 941 58 

Other 1,982 81 

For other expenses, not including expenses of other 

real estate nor other expen.ses of banking house.. 10,140 34 

60,680 62 

Otlier payments, viz.: 

Ubertj Loan Bonds 9577,804 28 

War Savings Stamps and Certificates 13, 636 93 

Adjustment of rents, interest in mortgages 3, 060 70 

694,491 91 

Caah on hand and in banks or trust companies December 31, 

1918, after transactions of the day 459, 434 50 

$6,683,859 39 

STATISTICAL INFORMATION 

Number of open accounto January 1, 1919 21 ,324 

Number of accounts opened or reopened during the year .... 3 , 760 

Number of accounts closed during the year 3,415 

Amount deposited during the year, not including dividends 

credited for that period $2,972,336 62 

Amount withdrawn during the year 3,263,055 48 

Amount of dividoids credited and paid for the year, viz. : 

July 1, 1M8 1163,17481 

January 1, 1919 164,464 25 

327,639 06 

Average amount of each account January 1, 1919 449 32 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% and 4 

Hate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 3^ and 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $436,665 81 

Total expenses of the bank for the year 1918 62, 994 90 

Dividends paid to depositors for the year 1918 327, 639 06 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 46, 031 85 



204 Repoet on Savings Banks 

80. SEAHEN'S BANK FOR SAVINGS IN THE CITY OF NEW YORK 

[74-76 Wall itreet; incorporated 1829] 

DANIEL BARNB8. President FREDERICK A. CUMMINGS. Trearorer. 

QBORGB F. CRANB. Vice-President. WILLISTON H. BENEDICT, Secretary. 

EUGENE DELANO. Vice-President. GEORGE M. HALSBY. Cashier. 

TRUSTEES 

WILLIAM E. 8TIGBR. GEORGE C. CLARK, WILLIAM A. HAZARD, 

GEORGE F. CRANE. P. A. 8. FRANKLIN, KLLI3 G. RICHARDS, 

W. H. BBNEDICT. EUGENE DELANO, C2E0. M. HALSET, 

ANTON A. RAVEN, SAMUEL SLOAN, W. N. DUANE. 

WM. A. BUTLER. HENRY R. TAYLOR. ROBERT 8. BREWSTER. 

DANIEL BARNES, E. H. OUTERBRIDGE. V. BVBRIT MACY. 

WILLIAM U BENEDICT, CORNELIUS ELDERT. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $42,122,675 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btoeks and bonds value cost market value 

United Stotes |4.GOi.660 00 $4,604.650 00 $4,604.660 00 

State of New York 869.000 00 S96.063 GO 906.010 00 

State of Massachusetts 8,826.000 00 4.156,782 60 8,520.380 00 

Cities In other States 4. 790. 000 00 5. 149. 300 83 4. 570. 680 00 

Cities In this State 6.802.660 00 7,088.834 42 6.310,189 50 

Counties in this State 70G, 600 00 696. 981 34 686. 105 00 

Railroad mortgage bonds.... 18.979,000 00 19,918.816 96 1£,393,650 00 

140.476,800 00 $42,360,868 55 $36,891,664 60 

,,,___ ,,__=^ .==_ 36,891,664 60 

Banking house and lot, book value, $478,352.78; cost, $478,- 

352.78; actual cash value 478,352 78 

Other real estate, book value, $1^91,000; cost, $1,891,000; 

actual cash value 1 ,672,000 00 

Gash on deposit in banks or trust companies 3,757, 137 34 

Cash on hand 590,925 75 

Total of collectible interest 798,591 86 

Amount of all other assets, viz. : Insurance premiums advanced 42 60 

$86,217,289 83 

LIABILITIES 

Amount due depositors, viz.: 

Principal , $78,068,030 27 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 1, 494, 779 89 

$80,157,810 16 

Surplus on market value 6,059,479 67 

$86,217,289 83 

Surplus on par value, $9,644,715.17. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $3,479,582 37 

From depositors, not including dividends credited 13,104,037 76 

From interest on loans, deposits and investments 3,698,356 38 

From rents from banking house 9,690 67 

From rents from other real estate 101 , 354 90 

From mortgages 640,500 OO 

From redemption of stodE and bonds 965,650 OO 



Nbw York County 205 

From stocks and bonds sold (total par value, $3,009,700) $3,619,293 90 

From real esUte sold 11,000 00 

From all other sources, viz.: 

RecdTed for flre loss |11,F77 00 

Betom of flre Insarancc premium 763 60 

12,340 50 

$25,641,806 38 

PAYMENTS 

To depositors, including dividends paid to them $16,952,300 26 

For loans on bonds and mortgages 266,000 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $3,650,000) 3,650,000 00 

For interest (other than dividend payments to depositors) .. 7,864 97 

For current expenses of the bank, viz.*: 

i>V>r salaries 184.224 06 

For taxes : Banking: boose. $10,746.55 ; snrplas, 

SO,48l)J5 50.226 70 

For expenses, except taxes, of banking honse : 

Bepalrs 4,038 04 

Insarance 390 92 

Other 19,182 86 

For expenses of other real estate, vis. : 

Repairs 4,869 39 

Insurance 9,406 60 

Taxes 37,082 10 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 80,380 34 

239,748 61 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 145,365 39 

Other payments, viz.: 

Ifflprovements on other real estate 114,455 63 

Improvements on banking house 387 93 

Flre loss repairs, insurance premium advanced 11,620 60 

26,464 16 

Cash on hand and in banks or trust companies December 31, 

1918. after transactions of the day 4,354,063 09 

$25,641,806 38 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 96,642 

Number of accounts opened or reopened during the year 11,021 

Number of accounts closed during the year 14 , 964 

Amoont deposited during the year, not including dividends 

credited for that period $13,104,037 76 

Amomit withdrawn during the year 16,952,300 26 

Amonnt of dividenda credited and paid for the year, viz. : 

July 1, 1918 11.611,008 90 

Jamiarj 1, Vm 1,494,779 88 

3,005,873 79 

Average amount of each account January 1, 1919 829 43 

Rate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $3,704,938 58 

Total expenses of the bank for the year 1918 239,748 51 

Wvidends paid to depositors for the year 1918 3,005,873 79 

Net eamin|;s for the year 1918 over expenses and dividends 

paid to depositors 459,316 2S 



206 Ebpobt on Savings Banks 

Se. THE UNION DIME SAVINGS BANK, NEW YORK CITY 

[701 Sixth aveniie; Incorporated 1859] 

ALBX. P. W. KINNAN, Prestdent FRANCIS M. LEAKS, Tr«a8nr«r. 

FRBIVK H. ECKER, Vice-President FRANK F. HAZARD, Secretary. 

CLERMONT H. W11AX)K, Vice-Pres. 

TRUSTEES 

CHARLES A. SACKBTT. FRBD'K H. BCKBR. WILLIAM R. INNI8, 

JAMES S. HBRRMAN. WILLIAM C. LANE. GB:OKCjB HADDBN, 

JOHN R. HBOBMAN. ABRAM C. DbGRAW. WILLARD B. EDMISTBB, 

FRANCIS M. LBAKE. WM. McMASTBR MILLS. JOHN C. VAN CLEAF, 

CLERMONT H. WILCOX EDGAR A. TRBDWELL, JOHN ANDERSON. 

ALBX. P. W. KINNAN, MALCOM B. DUTCHER. 

FINANCIAL 

RESOURCES 

Bonds and morl^ages $32,280,060 00 

Stock and bond inveBtments, viz. : 

Par Original Estimated 

Btoeks oimI bonds value cost market value 

United States $1.623, 650 00 |1. 623, 650 00 11,523,660 00 

State of Massachusetts 50, 000 00 49, 513 96 43. 600 00 

Cities in other States 1.806,000 00 1,906,75186 1,818,800 00 

Cities in this State 4,076,500 00 4,395,847 86 4,066.602 50 

Towns in this State 64,000 00 66,766 00 62,800 00 

Villages In this State 144,00000 163,032 60 139,670 00 

Railroad mortgage bonds 8,390,000 00 8,630,236 27 7,306.160 00 

$16,044,150 00 $16,614,786 93 $14,939,972 50 

= — «=— :=__=« 14,939,972 60 

Pronriasory notes 203,000 00 

Hanking house and lot, book value, $600,000; cost, $840,336.37; 

actual cash value 600,000 00 

Other real estate, book value, $430,000; cost, $468,378.65; 

actual cash value 430,000 00 

Cash on deposit in banks or trust companies 4,853,846 89 

Cash on hand 721 ,329 25 

Total of collectible interest 544, 188 35 

Amount of all other assets, viz.: 

Rent accrued $10, 466 67 

Insurance premiums and taxes advanced 119 71 

10,676 38 

$54,582,963 37 

LIABILITIES 

Amount due depositors, viz.: 

Principal $49,809,117 66 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 772. 028 96 

^$50,081,146 50 

Other liabilities, viz. : 

Expenses incurred, but unpaid ; reserve for franchise 

tax $24,610 00 

Cuptodian of rents, alien property 468 84 

24,978 84 

Surplus on market value 4,476 , 838 O.T 

$54,582.963 37 

Surplus on par value, $5,581,015.53. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $4,213,543 44 

From depositors, not including dividends credited 16,804.838 50 

From interest on loans, deposits and investments 2,329,720 57 

From rente from other real estate 28 , 189 48 

From mortgages 236,200 00 

From redemrption of stocks and bonds 415,000 00 

From stocks and bonds sold (total par value, $1,816,378.03) 1,786,634 37 



Nbw Yobk County 207 

From loans paid 4»,000 00 

From all other sources, viz.: 

Refund of expense paid |218 33 

Maintenance real estate 432 06 

Insurance premiums 187 4S 

Bents» as custodian 3»881 97 

4,479 86 

$ 25,821,506 22 

PAYMENTS 

To depositors, including dividends paid to them $17,045,700 79 

For loans on bonds and mortgages 186,500 00 

For loans on stocks and bonds and other securities 206,000 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, ^,595,000) 2,595,000 00 

For interest (other than dividend payments to depositors) . . 221 92 

For current expenses of the bank, viz.: 

F(8> salaries $108,756 M 

For taxes: Banking house, |14,<tt4.10; surplus, 

138,921.0 63,946 7» 

For expenses, except taxes, of banking house: 

Repairs 1.136 61 

Insurance 167 48 

Other 6,10060 

f>>r expenses of other real estate, vis. : 

Repairs 2,767 31 

Insurance 33 73 

Taxes 11.13040 

Other 7,63268 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 17,797 14 

208,436 39 

Other payments, viz.: 

Expense paid, maintenance real estate, insurance.. $1,367 60 

As custodian of rents 2,863 13 

Payment to trust company to restore interest 360 36 

4,380 98 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 5,575, 176 14 

$25,821,50^22 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 132,366 

Number of accounts opened or reopened during the year. . . . 21,968 

Number of accounts closed during the year 23,400 

Amount deposited during the year, not including dividends 

credited for that period $16,804,838 60 

Amount withdrawn during the year 17,045,790 79 

Amount of dividends credited and paid for the year, v\t. : 

July 1, 1918 1771,68164 

January 1, 1819 772,03896 

1,543,610 49 

Average amount of each account January 1, 1919 378 35 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accounts, or 

judicial sales, or trust funds, or by order of a court of record 

or of a surrogate 9 

Total amount of such accounts $31 ,495 15 

Bate per cent of dividends to depositors during the six months 

endmg June 30, 1918 3^^ 

Rate per cent of dividends to depositors during the six months 

ending December 31, 1918 31^ 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $2,361,807 01 

Total expenses of the bank for the year 1918 210,876 64* 

Dividends paid to depositors for the year 1918 1,543,610 40 

Net earninn^s for the year 1918 over expenses and dividends 

paid to depositors 607 ,319 88 



^iV««**«« 



208 Bbpobt on Savings Banks 

87. XnnOH SQUARB SAVIKGS BANK, HBW TOSK CITY 

[M Union Square ; Incorporated 1848] 

WM. H. ROCKWOOIX President FREDERIC C. MILLS, Treasurer. 

W. EMLBN ROOSB^I/r. Vlce-Pres. HUGH B. GARDNER, C&shler. 

BDWARD M. TOWNSBND, Yice-Pree. IRVING VAN ZANDT. Asst Cashier. 

HENRY R. BRINCKERHOFF. Secy. 

TRUSTEES 

W. EHLEN ROOSEVELT. ISAAC TOWNSEND. LORIN K. SCUDDER, 

FREDERIC C. MILLS, SAMUEL WOOLVERTON. WM. H. ROCKWOOD. 

FilBDBRIC S. WELLS. FRANK B. KEBCH. NEWBOLD T. LAWRENCE. 

ALBERT M. PATTBRSON, BRONSON WINTHROP, EDWARD C. EVANS. 
WM. DlF. HAYNES. EDWARD M. TOWNSEND. JULIAN W. ROBBINS. 

FINANCIAL 

RESOURCES 

Bonds and morl^a^ $8,846,082 00 

Stock and bond inyeatmentft, viz.: 

Par Original Estimated 

Btooks and h<m49 yalue cost market valae 

United States |2,176.»50 00 12,168,910 00 12,176.960 00 

State of New York 200.000 00 203.250 00 198,000 00 

State of California 260.000 00 251.862 85 262,60000 

Cities in this State 1.027,000 00 1.076,168 20 987,280 00 

Railroad mortgage bonds.... 2,926.000 00 3.017,852 45 2,423,250 00 

16, 678. 960 00 |6, 718. 033 50 |6, 037, 980 00 

— — «- — «=— — •= = 6,037,980 00 

Banking houae and lot, book value, $350,000; cost, $465,078.76; 

actual cash value , 350,000 00 

Other real estate, book value, $184,456.85; cost, $184,456.85; 

actual cash value 175,000 00 

Cash on deposit in banka or trust companies 837, 158 25 

Caah on hand 118, 563 49 

Total of collectible interest 238.875 27 



$16,603,659 01 

LIABILITIES 
Amount due depositors, vie: 

Principal I1S.40I.1S8 71 

Dividends credited or to be credited for the six 

montbs ending with December 81, 1918 286, 470 86 

$16,690,629 63 

Surplua on market value 913,029 38 

$16,603,659 01 

Surplua on par rslnt, $1,458,999.38. 

CASH TRANSACTIONS DURING TBB YEAR 1918 

RECEIPTS 

Cash on band and in banks or trust companies January 1, 1918, 

before transactions of the dav $1 ,048,071 40 

From depositors, not including dividends credited 4,664,636 37 

From interest on loans, deposits and investments 698,308 16 

Trcm rents from banking house 1, 000 00 

From mor^ages 72,418 00 

From redemption of stocks and bonds 2, 250, 000 00 

From stocks «lid bonds sold (total par value, $369,300) 369,300 00 

$9,103,733 93 



Nbw Yobk County 209 

patmbnts 

To depositors, including dividends paids to them |3»943, 703 63 

For loans on bonds and mortgages 283, 000 00 

For stodcs and bonds purchased, including premiums, commis- 

UQiiB, etc (total par value, $3,835,000) 3,827,292 39 

For isterest (other than dividends payments to depositora) . . 4,671 00 
For current expenses of the banii, viz.: 

For Mlarles 140,078 80 

For taxes: Banking bouse, $10,060.08; sarplos, 

|6.«nJ» 16,730 27 

For expenses, except taxes, of banking bouse : 

Repairs 879 90 

Insurance 166 77 

Otber 1,860 41 

For expenses of other real estate, viz. : 

Other 8.140 83 

67.857 07 

Taxes advanced on mortgaged property 21 ,488 10 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 955,721 74 

$9,103,733 93 

STATISTICAL INFORMATION 

Xombcr of open accounts January 1, 1919 20, 739 

Number of accounts opened or reopened during the year 4,474 

Number of accounts closed during the year 3, 363 

Amount deposited during the year, not including dividends 

credited for that pericS $4, 664, 636 37 

Amount withdrawn during the year 3, 943, 703 63 

Amount of dividends credited and paid for the year, vix. : 

Jolj 1, 1918 $280,154 96 

Jannary 1, 1919 286.470 86 

566,625 81 

Average amount of each account January 1, 1919 756 58 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $706, 994 16 

Total caroenses of the bank for the year 1918 67 ,857 07 

Dividends paid to depositors for the year 1918 566,625 81 

Net samiiiflB for the year 1918 over expenses and dividends 

paid to depositors 72,611 28 



210 Repobt on Savings Banks 

88. UNITED STATES SAYINGS BANK OF THE CITY OF NSW TORE 

[606 MadiBOD avenae; Incorporated 1888] 

CHARLES N. TAINTOR, Prcildent. JOHN HY8L0P, Treaaarer. 

WILUAM C. ADAMS. Vice-President. ADOLPHB F. LbGOST. Secretary. 

FRANCIS 0. LLOYD, Vice-President. 

TRUSTEES 

PAYSON MERRILL. WILLIAM E. PECK. ADOLPHB F. LB 608T. 

NOAH C. EOGBRS, FRANCIS O. LLOYD, LANGLBY W. WIGGIN, 

JOHN HYSLOP, W. WILLIS REESE, EDWIN J. GILLIES, 

CHARLES N. TAINTOR, JOHN P. MUNN. MORRIS iS. BABNBT. 

EDWARD I. DEVLIN. JOHN £. WEEKS, PHIUP W. HBNRY. 

WM. C. ADAMS, EDGAR C. LEAYCRAFT. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $3, 808, 425 00 

Stock and bond inyestments, vie: 

Par Original Estimated 

Stocks and bonds Tulue cost market value 

United States 9706.7500Q 1706,750 00 I706.7&0 00 

State of Massachusetts 40,000 00 39,735 00 34.000 00 

Cities in otlier States 172,000 00 173,954 99 170,140 00 

aties in this State 576, 400 CO 594, 831 61 573. 817 60 

Railroad mortgage bonds 1, 074. 000 00 1. 043. 890 41 912, 410 00 

12.568,150 00 $2,557,668 01 12.396,117 50 



2.396,117 50 
Banking house and lot^ book value, $1 30,000; cost, $130,000; 

actuiu cash value 130,000 00 

Cash on deposit in banks or trust companies 322, 879 86 

Cash on hand 20, 707 69 

Total of collectible interest 58,094 99 

$6,736,225*04 



LIABILITIES 
Amount due depositors, viz.: 

Principal |6.280,9U 34 

Dividends credited or to be credited for the six 
months ending with December 81, 1918 112,614 01 

$6,393,425 36 

Surplus on market value 342,790 69 

$6,736,225 04 

Surplus on par value, $514,832.19. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 1918, 

before transactions of the day $455, 179 80 

From depositors, not including dividends credited 2,452,003 88 

From interest on loans, deposits and investments 303,397 20 

From rents from banking house 6, 936 64 

From rents from other real estate 120 00 

From mortgages 154,378 98 

From redemption of stocks and bonds 601 , 000 00 

From stocks and bonds sold (total par value, $519,182.76) . . . 519,182 76 

From real estate sold 148, 953 98 

From all other sources, viz. : 

Interest collected, telephone charges refunded 160177 

Appraisal fees, sale of old material, subpoena fee.. 87 90 

Cash over, refund of nnearned premium 66 82 

Thrift Stamps 1,616 86 



2,251 74 



$4,643,404 98 



Niw York County 211 

PAtlfBNTS 

To LepoBitora, including dividends paid to them $2f 442*5 17 28 

For loans on bonds and mortcages 141»253 98 

For stocks and bonds purchased, including premiums, commis- 

sioiis, etc. ( total par value, $1,530,882.76 ) 1 , 530, 882 76 

For interest (other tSian dividends payments to depositors) . . 554 80 

For current expenses of the bank, vie. : 

For MlAries $21,373 50 

For taxes: BaDklns bouse, $2,879.20; surplus. 
|3.fl6184 rr. 8,93104 

For expenses, except taxes, of iMtnklng house : 

Repairs 610 67 

Insurance • 234 88 

Other 3.29031 

For expenses of other real estate, tIs. : 

Other 200 00 

For other expenses, not includinsr expenses of other 
real estate nor other expenses of banking house.. 3,202 31 

34,842 66 

For real estate acquired by foreclosure, or in settlement of 

deUs due the bank 147,624 81 

Oiher payments, viz. : 

Interest, cash short, expenses $724 89 

Thrift Stamps 1,516 25 

2,241 14 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 343,587 55 

^,643,404 98 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 15, 884 

Number of accounts opened or reopened during the year 3,481 

Number of accounts closed during the year 3,547 

Amount deposited durins the year, not including dividends 

credKed for that period $2,452,003 88 

Amount withdrawn during the year 2, 442, 5'17 28 

Amount of dividends credited and paid for the year, viz. : 

July 1, ms |»8,2e7 62 

January 1, VHd 112,514 01 

210,781 63 

Average amount of each account January 1, 1010 402 50 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Kate per cent of dividends to depositors during the six months 

ending December 31, 1918 4 

Total eamiogs of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $306,658 12 

Total expenses of the bank for the year 1918 35, 067 55 

DividencnB paid to depositors for the year 1918 210,781 63 

Net earnings for the year 1918 over expenses and dividends 

paid to depoaitora 60, 808 94 



212 Bbpobt on Savings Banks 

89. THE UNIVERSAL SAVINGS BANK, NEW YORK CITY 

[149 Broadway; Incorporated 1907] 

WILBUR F. BROWN, President. WILBUR F. BROWN, Jb., Treasurer. 

BLAIR 9. WILLIAMS. Vice-President. BYRON W. GREENE. Secretary. 
AUGUST H. TIBMEYBR, Vice-Pres. RAYMOND K. MEIXSELL. Comptroller. 

TRUSTEES 

WILBUR F. BROWN, FRANK H. HINBS, SAM. R. OUTBRiBRTDGB. 

BYRON W. GRBBNE, COURTNEY HYDE, JOHN H. HALLOCE, 

WILBUR F. BROWN. Js., AUGUST H. TIEMBYER, HAROLD G. HESSE. 

ROBBRT MAZET, BLAIR 8. WILLIAMS, FRANK M. GORDON, 

RUSSELL DART, WILUAM M. MORGAN, FRANK L. GODDARD, 
ROBERT MCLEAN. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $344,625 00 

Stock and bond inyestments, vis.: 

Par Original Estimated 

Btook8 and b<md9 value cost marlEet valae 

United SUtes 1210,675 71 1210.082 81 1210.575 71 

Railroad mortgage bonds.... 116,000 00 110,593 75 101,800 00 

$326,575 71 1320.676 66 $312.375 71 



312,375 71 

Promissory notes 4, 749 25 

Cash on deposit in banks or trust companies 46,002 22 

Cash on hand 6,820 19 

Total of collectible interest 8,245 50 

Amount of all other assets, viz. : 

Fnmitnre and flitures |2, 202 32 

U. S. Ttorift Stamps 76 39 



2,278 71 



$725,105 58 



LIABILITIES 
Amoimt due depositors, viz. : 

Principal 1712,600 79 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 9,938 73 



$722,539 52 
Surplus on market value 2 , 566 06 

$725,105 58 
Surplus on par value, $16,766.06. 

CA6H TRAKSACTIONS DURING THE YEAR 1918 

Cash on hand and in banks or trust companies January 1, 

1918, before tran«actions of the dav $28,305 88 

From depositors, not including dividends credited 1,000,558 01 

From interest on loans, deposits and investments 28,927 46 

From rents from other real estate. 306 73 

From mortgagee 11 ,450 00 

From stocks and bonds sold (total par value, $276,925) 275,318 76 

From loans paid 325 00 

From bankers' acceptances and bills of exchange 8,507 75 

From real estate sold 21 , 000 00 

From all other sources, viz.: 



Ezcbange, appraisal fees, discount on acceptances.. |501 27 

Liberty Loan Bonds 972 47 

Thrift Stamps 4, 565 11 



6,038 So 



$1,389,738 44 



New Yoek Countt 213 

PAYMBNT8 

To depositors, including dividends paid to them $310, 189 05 

For loans on bonds and mortgages 70, 000 00 

For loans on stocks and bonds und other securities 5,074 25 

For bankers' acceptances and bills of exchange 8,507 75 

For stocks and bonds purchased, including premiums, cummis- 

fiions, etc. (total par value, $376,840) 374,382 98 

For interest (otiier than dividend payments to depositors) . . 1,235 14 
For current expenses of the bank, viz.: 

For salaries |G,575 05 

TtT expenses, except taxes, of banking house : 

Insurance 7 01 

For rent of banking rooms S.249 96 

For expenses of other real estate, viz. : 

Insurance 8 50 

Other 1C6 60 

For other expenses, not including expenses of other 
real estate nor other expenses of 'banking house.. 1,670 SO 

11,677 62 

Other payments, viz.: 

Eqaipment, cash difference |32 38 

Real estate, emergency fund. Thrift Stamps 5»807 96 

Notes payable 50,000 00 

65,840 34 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 52,831 41 

$1,389,738 44 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919. . , 9,708 

Number of accounts opened or reopened during the year .... 8 , 803 

Number of accounts closed during the year 6, 153 

Amount deposited during the year, not including dividends 

credited for that period $1 ,009 ,558 01 

Amount withdrawn during the year 810, 189 05 

Amount of dividends credited and paid for the year, viz. : 

Joly 1, 1»1S 18.727 05 

January 1, 1919 9,938 73 

18,605 78 

Average amount of each account January 1, 1919 74 42 

Bate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $31 ,482 44 

Total expenses of the bank for the year 1918 1 1 ,677 52 

Dividends paid to depositors for the year 1918 18,665 78 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 1 , 139 14 



214 



BrEPOBT ON Savings Banks 



90. WEST SIDE SAVINGS BANK. NEW YORK aXY 

[110-112 Six til aveone : incorporated UG8.] 



CLARENCE O. BIOELOW, Prefildent. 
NELSON S. WBSTOOTT. VIce-PreB. 
iiEORUE B. MABK8. Vlce-Preiident. 



WILLIAM V. fIUr»RON, SiH^n^Unr. 
JOHN J. V. BURKE. AssisUnt Secretary. 



TRUSTEES 

CLARENCE O. BIGELOW. CHAS. H. VAN AKSN. 

^ CHAPIN DAOGBTT. 
JOSEPH H. EMERY, 
N. S. WESTCOTT, 
WM. V. HUDSON. 
M. P. GOULD. 



CHARLES E. DUROSS, 
ROHBRT U HARRISON, 
JOHN W. JACOBUS, 
GEORGE B. MARKS, 
ARTHUR J. McCLURB. 
THOMAS F. 90MERS, 



RUBL W. POOR. 
FIBRBEKT B. HARDIXO, 
G. ELLIS REED. 
WM. F. H. KOELSCH. 
JAMBS BOTD. 
WILLIAM S. DBNI80N, 
EDWARD C. TITUS. 



FINANCIAL 
RESOURCES 



Bonds and mortgages 

Stock and bond investments, viz.: 



$3,099,925 OO 



Stooka and honda 

United States 

State of New York 

State of Alabama 

SUte of California 

Cities in other States 

Cities in this State 

Counties in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds — 



Par 

▼alue 

1549.600 00 

60.000 00 

25.000 00 

20,000 00 

233.000 00 

410,000 00 

46.000 00 

95.925 00 

94,066 66 

100.129 98 

359,000 00 



Original 
cost 

$549,600 00 

53,968 75 

27,310 00 

19.411 40 

250.87166 

424.347 19 

46.157 75 

100.887 25 

10O.757«8 

108.353 46 

336,386 00 



Estimated 
market value 

1549.600 00 

55.350 00 

24.500 00 

19,200 00 

239.900 00 

412,260 00 

45,770 00 

97.815 04 

94.776 35 

102.016 23 

297,190 00 



$1, 982. 741 64 |2> 017. 051 13 |1. 938. 367 62 



Other real estate, book value, $10,573.46; cost, $10,573.46; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total collectible interest 



1,938,367 62 

10,573 46 

423,500 OO 

6,872 19 

56,044 17 

$5,535,282 44 



LIABILITIES 
Amount due depositors, viz. : 

Princii>al 15.137.996 04 

Dividends credited or to be credited for the six 

months ending with December 31. 1918 93.119 47 

$5,231,115 61 

Other liabilities, viz. : Liberty Bond deposits 3,310 00 

Surplus on market value 300, 856 93 



$5,535,282 44 



Surplus on par value, $345,230.95. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918. before transactions of the day $379,678 08 

From depositors, not including dividends credited 1.738,892 49 

From interest on loans deposits and investments 237,210 29 

From rents from other real estate 1 ,066 12 

From mortgages 69 , 100 OO 

From redemption of stocka and bonds 323,887 91 



New York County 215 

From stocks and bonds sold (total par value, $29,800) $29,800 00 

From real estate sold 88,000 00 

From all other sources, viz.: 

Bxfiiiwe, profit and loos, suspense accounts ^, 546 74 

K€sl estate 1,472 09 

Ubertj LcNsn account 5. 147 60 

12,165 33 

$2,879,800 22 

PAYlfSNTB 

To depositors, including dividends paid to them $1,406,389 01 

For losns on bonds and mortgages 300, 500 00 

For stocks and bonds purchased, including premiums, commia- 

Bions, etc. (total par value, $667,250) 6G7,G10 48 

For interest (other than dividend payments to depositors) . . 192 95 

For current expenses of the bank, viz.: 

For salaries 118,988 65 

For taxes: Surplus 2,664 01 

FV>r expenses, excef^t taxes, of banking house : 

Repairs 37 4G 

Other \ 667 04 

For rent of bankina rooms 3.000 00 

f^Dr expenses of other real eetste, viz. : 

Repairs 1.U3 08 

losurance 90 80 

Taxes 910 3a 

Other 1,004 89 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 

29,315 94 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 32,903 89 

Other payments, viz. : 

Suspense accounts 17,472 CI 

Resl estate accounts 1.999 08 

Prollt and loss account, Liberty Loan account 2,984 07 

12,455 76 

Caih on hand and in banks or trust companies December 31, 

1918, after transactions of the day 430,372 19 

$2,879,800 22 

STATISTICAL INFORMATION 

Xmnber of open accounts January 1, 1919 13, 176 

Number of accounts opened or reopened during the year 2,078 

Number of accounts closed during the year 2,070 

AuHnrnt deposited during the year, not including dividends 

credited for that period $1,738,892 49 

Amount withdrawn during the year 1,406,380 01 

Amoont of dividends credited and paid for the year, viz. : 

J0I7 1, ISI8 $89,60638 

January 1, iWd 93,119 47 

182,725 85 

Avenge amount of each account January 1, 1919 397 02 

Bate per cent, of dividends to depositors during the six months 

enifing June 30, 1918 4 

lUte per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $256,059 49 

Total expenses of the bank for the year lOl'S 39,684 44 

l>ividends paid to depositors for the year 1918 182,725 85 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 33,649 18 



NIAGARA COUNTY 



91. FASMBSS Ain> MECHANICS' SAVINGS BANK OP THS CITY OF 

LOCKPOKT 

[116 Main street ; incorporated 1870] 

WILLIAM A. WILLIAMS, President J. B. BMKXSON, Secretary. 

CHARLES A. HOAO, Vice-President. CHARLES H. WBNDBUU Aatt. Secy. 

JOHN T. DARRI80N, Vice-Preeldent. 

TRUSTEES 

JOHN T. DARRISON. 
H. J. BABCOCK, 
WM. RICHMOND, 
I. A. BBONSON, 
THOS M. McORATH, 

FINANCIAL 
RESOURCES 



WM. A. WILLIAMS. 
CHARLES A. HOAO, 
JOSEPH DUBCYILLE, 
JEROME B. EMERSON, 



M. D. CLAPSATTLE, 
JOHN B. ARNOLD, 
B. M. GRIGG, 
ROBERT HALL. 



Bonds and mortgages 

Stock and bond investments, viz.: 



$4,026,012 00 



Stocks and 5on^ 

United States 

State of Louisiana 

Cities in otber States 

Cities in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds.... 



Par 
value 

1606,060 00 
100,000 00 

73.000 00 
132.401 82 
153.261 88 
138.000 00 

61,260 00 
802.009 00 



Original 
cost 

1606.060 00 

99.086 00 

73,826 66 

134.934 23 

163,318 38 

138,802 33 

62.636 86 

882,086 64 



Estimated 
market value 

1606.060 00 
101.000 00 
74.926 00 
130.612 84 
148.223 23 
134.680 00 
61.791 40 
671,740 00 



$2. 066. 953 70 |2. 100. 637 48 $1. 929. 932 47 



1,929,932 47 
140,000 OO 



Banking house and lot, book value, $143,955.70; cost, $143,- 
955.70 ; actual cash value 

Other real estate, book value, $19,405.48; cost, $29,758.17; 

actual ca^ value 29,758 17 

Cash on deposit in banks or trust companies 1 ,031 ,283 60 



Cash OD hand 

Total of collectible interest 

Amount of all other assets, vi£. : 

Land contracts and interest accrued on same. 

Rent accrued 

U. S. War Savings Stamps 



124,419 42 
60,201 56 



$2,367 60 
778 66 
418 77 



3,554 93 



Amount due depositors, viz. : 



LIABILITIES 



$7,345,162 15 

" ■ — • 



Principal $6,815,646 66 

IMvideDds credited or to be credited for the six 
months ending with December 31, 1918 61. 400 66 



$6,876,947 32 



Surplus on market value 468,214 83 

$7,345, 16g"T5 
Surplus on par value, $604,236.06. 

CASH TRANSACTIONS DURING THE YRAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies .Tamiary 1, 

1918, before transactions of the day $823,808 31 

From depositors, not including dividends credited 3,039*587 37 

From interest on loans, deposits and investments 315 ! 002 8S 

From rents from banking house 7 ^453 75 

From rents from other real estate 4 650 48 

From mortgages \\\\\ 144i865 OO 

»16] 



NiAGABA County 217 

From redemption of stocks and bonds $267 ,503 00 

From stocks and bonds sold (total par value, $451,800) 461,800 00 

From real estate sold 6,000 00 

From all other sources, viz.: 

Artidesold 133 14 

Bospense account 6, X39 42 

Profit and loss — Judgment 379 84 

iBsnrance repaid 7^99 

5,628 39 

$5,066,349 18 
PATMENTS 

To depositors, including dividends paid to them $2,773,891 06 

For loans on bonds and mortgages 93 , 800 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (totail par value, $1,001,791.21) 1,001,791 21 

For interest (other than dividend payments to depositors) . . 741 63 

For current expenses of the bank, viz.: 

For alaries $16,42100 

For taxes : Banking house, 13,390.46 ; surplus, |2.722^5 6,122 41 

I'\>r expenses, except taxes, of banking house : 

Repairs Wl 66 

Other 3,757 14 

For expenses of other real estate, vis. : 

Repairs 25 32 

iDsurance 19 80 

Taxes 882 48 

Other 3,008 40 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house. . 3, 861 20 

34,999 41 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 4,405 48 

Other payments, viz.: Suspense account 59S 60 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day _ 1 ,156,121 79 

$5,066,349 18 

RTATISrriCAL INFORMATION 

Xomber of open accounts January 1, 1919 13,997 

Number of accounts opened or reopened during the year. ... 1,919 

Camber of accounts closed during the year 2,673 

Amount deposited during the year, not including dividends 

credited for that period $3,039,587 37 

Amoimt withdrawn during the year 2,773,891 06 

Amount of diridends credited and paid for the year, viz. : 

Aprill. rSlS 161,897 61 

July 1. 1918 59,568 42 

October 1, 1918 59,678 65 

Januarj 1, 1919 61,400 66 

Credited at other periods 20 10 

242,065 34 

Average amount of each account January 1, 1919 491 31 

>*umber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accounts, or 

judicial sales, or trust funds, or by order of a court of 

record or of a surrogate 8 

Total amount of such accounts $30,971 81 

Rate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total eamingB of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $324, 095 85 

Total expenses of the bank for the year 1918 34,999 41 

Dividends paid to depositors for the year 1918 242,065 34 

Xet eaminfs for the year 1918 over expenses and dividends 

paid to £poeitor8 47,031 10 



218 Report on Savings Banks 

92. NIAGARA COUNTY SAVINGS BANK, NIAGARA FALLS 

1904 Niagara street; incorporated 1890] 

C. M. YOUNG, President JAMES T. LOW. SecreUrr. 

rOSEPH E. MONTAGUE. Tice-PreaideBt JOHN P. DOLAN, Treaaarer. 

IIENRT HUBBS. Vice-President. 

TRUSTEES 

L. W. PETTEBONE, GEORGE F. NYE. EUGENE CARY. 

ALEX. J. PORTER. WTLLIAM C. WALLACE. de I^NCEY RANKINF. 

JULIUS KRAKOSKI. JOSEPH E. MONTAGUE. JOHN H. ELLENBAUM. 

FRANCIS H. SALT, JOHN T, WILLIAMSON. PRED'K CHORMANN, 

FRED J. COB, CHRIS. M. YOUNG, HENRY HUBBS. 

AUGUSTUS G. PORTER. 

FINANOLAL 
RESOURCES 

Bonds and mortgages $1 ,750,179 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and f>on4s valne cost market value 

United States |346.784 00 $346.784 00 $346.784 00 

Cities in other States 5,000 00 6.247 2S 5,100 00 

Cities in this State 329.518 86 333.326 46 329.016 48 

Counties in this State 5.000 00 4.900 00 4,850 ro 

Towns in this State 21.600 00 22,157 12 21,926 00 

Villages in this State 92,000 00 93.563 86 93,615 00 

School districts in this State 36,000 00 37.562 10 36.740 00 

Railroad mortgage bonds.... 270,000 00 267.740 50 238,750 00 

11.105,902 86 11.101,28129 11.076,78148 

= 1,076,781 4S 



Cash on depoait in banlcs or trust companies 380,675 69 

Casli on hand 11 ,332 16 

Total of collectible interest 51 .51)0 SI 



$3,270,550 14 



LIABILITIES 
Amount due depositors, viz. : 

Principal , 13.071.857 11 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 52.320 07 



$3,124,177 18 

Other liabilities, viz. : Due mortgagors 1. 063 65 

Surplus on market value 145 . 31$ :il 

$3,270755"0~i4 



Surplus on par value, $174,439.69. 

CASH TRAN1SACTION1S DURING THE YEAR 1918 

RECEIPTS 

Caah on hand and in banks or trust companies January 1, 

1918, before transactions of the day $274,924 51 

From depositors, not including dividends credited 2,010,498 37 

From interest on loans, deposits and investments 146,631 44 

From mortgages 182,816 OO 

From redemption of stocks and bonds 243,072 OO 

From all other sources, viz.: Due on mortgages 5,981 07 



$2,865,924 29 



PAYMENTS 



To depositors, including dividends paid to them $1,727,810 68 

For loans on bonds and mortgages 138,250 OO 



NlAQARH COUNTT 219 

For stockft and bonds purchased, including premioms, commis- 

ttODB, etc. (total par value, $553,431.86) $552,313 70 

For interest (other than dividend payments to depositors) .. 931 65 

For current expenses of the bank, vis. : 

Vbr Mlaxles |11»S04 4B 

For taxes: Barplat 1,346 08 

Fior mt of banking rooms 1,060 00 

For other expenses, not Including expenses of other 
real estate nor other expenses of bsnklng house.. 3,363 46 

17,962 95 

Other payments, vis.: Due on mortgages 36,647 47 

Cask on hand and in banks or trust companies December 31, 
1918, after transactions of the day 392,007 85 

$2,865,924 29 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1910 8,830 

Number of accounts opened or reopened during the year 3, 109 

Number of accounts closed during the year 3,074 

Amount deposited during the year, not including dividends 

credited for that period $2,010,498 37 

Amount withdrawn during; the year 1 , 727 ,810 68 

Amount of dividends credited and paid for the year, vis.: 

Jsly 1, ins $17,684 23 

Jsansry 1. JSi» 60,867 56 

Credltetf St other periods 2,167 00 

100,698 86 

Aver^^e amount of each account January 1, 1919 353 81 

Xumb^ of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accoimts, or 

judicial sales, or trust funds, or by order of a court of 

reeord or of a surrogate 5 

Total amount of suoh accounts $33,523 57 

Rate per cent, of dividends tq depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of proniums and discounts $148,695 41 

Totsl expenses of the bank for the year 1918 17,962 95 

IXvidends paid to depositors for the year 1918 100,698 86 

Kct eanuQgs for the jear 1918 over expenses and dividends 

pwd to depositors 30,033 60 



ONEIDA COUNTY 

9S. THE ONEIDA COUNTY SAVINGS BANE, SOME 

[178 West Dominlck street; incorporated 1889] 

CHAS. W. LEE, President. A. B. WBTHBRBEB, Treasurer. 

JAMES P. OLNBY, Vice-President. A. M. HOOKE^ Asst. Treasurer. 

F. M. ORTON. Vice-President O. L. PRBSCOTT, SecreUry. 

TRUSTEES 

P. M. ORTON, W. W. PARRY. JAMBS P. OLNET, 

D. L. GREENFIELD. LAWRENCE CARET. F. G. RATHBUN. 

HOWARD C. WIGGINS. ARTHUR J. WYLIB, D. U BRADT, 

JOHN R. EDWARDS. D. W. WARDWBLL. B. A. SMITH. 

CHARLES W. LEE. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $1 ,400,863 38 

Stock and bond investments, viz.: 

Par Original Estimated 

Btocka and hondt value cost market value 

United States 1166.050 00 $165.050 00 $165.060 00 

Cities in other States 55.000 00 56.864 47 55.160 00 

Cities in this SUte 135. 340 00 138, 881 60 127.794 55 

Towns in this SUte 9,50000 9.867 60 9.655 00 

Villages in this State 199, 030 00 202, 180 70 192. 562 60 

School districts in this State 19.000 00 19.214 17 19.095 00 

Railroad mortgage bonds.... 456.000 00 453,586 00 366.710 00 

II, 038. 920 00 II. 045. 644 44 |936. 917 15 



935,917 15 

Promissory notes 475 00 

Banking house and lot, book value, $29,000; cost, $29,342.30; 

actual cash value 29,000 00 

Other real estate, book value, $943.68; cost, $943.68; actual 

cash value 943 OS 

Cash on deposit in banks or trust companies 166,277 40 

Gash on hand 31 ,573 11 

Total of collectible interest 48,614 64 

Amount of all other assets, viz.: 



Insurance prenviums and taxes advanced |187 72 

U. S. Thrift Stamps 6100 



198 72 



$2,613,863 08 

LIABILITIES 

Amount due depositors, viz.: 

Principal $2,347,602 85 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 40,165 49 

$2,387,768 34 

Other liabilities, viz.: 

Liberty Bond deposits 18.779 60 

Bills payable 60,000 00 

68,779 50 

Surplus on market value 157.315 24 

$2.613,863 08 

Surplus on par value, $260,318.09. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $183 ,620 84 

From depositors, not including dividends credited 505,111 55 

From interest on loans, deposits and investments 119,501 89 

From rents from banking house 442 00 

From mortgages 113,704 00 

[220] 



Oneida Cotjntt 221 

From redemption of stocks and bonds $23 , 820 00 

From stocks and bonds sold (total par value, $96,817) 96,817 00 

From loans paid 4,685 00 

From all other eources, viz.: 

Interest 1^ ^ 

Afipraisals recording and mortgage insurance tax. . ^j!$^ 

Demand loan 99,000 00 

Uberty Loan subscriptions 1?5'XH S? 

U. B. certlflcates of indebtedness ^'?2J SS 

Thrfft sumps and certlflcates ^'^22 

Sxamining fee, sale of old iron, miscellaneous 18 w 

$1,349,37F61 
PAniBNTS 

To depoaitors, including dividends paid to them $636, 879 74 

For loans on bonds and mortgages- 37 , 102 25 

For loans on stocks and bonds and other securities 255 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $289,268) 289,260 13 

For interest (other than dividend payments to depositors).. 2 70 
For curroit expenses of the bank, viz.: 

For salaries 19,108 01 

For taxes : Banking bouse, 1442.94 ; surplus, $1,366.84 ; 

on mortgages, 1136.20 1, 944 98 

For expenses, except taxes, of banking bouse : 

Hepalrs 223 44 

Insurance 117 36 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house. . 2, 137 68 

13,631 46 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 943 68 

Other payments, viz.: 

U. S. Certlflcates of indebtedness $60.000 00 

Liberty Loan subscribers 73, 309 00 

Demand loan 39,000 00 

Thrift Stamps and certlOcati^ 1,66100 

Mortgage Insurance and tax arronntB 253 96 

Loss on mortgage — correction to depositor 330 19 

174,654 14 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 197 ,650 51 

$1,349,379 61 

STATISTICAL INFORMATION 

^Number of open accounts January 1, 1919 7,573 

Number of accounts opened or reopened during the year .... 803 

Number of accounts closed during the year 838 

Amount deposited during the year, not including dividends 

credited for that period. $605, 111 56 

AjDOunt withdrawn during the year 635, 879 74 

Amoont of dividends credited and paid for the year, viz. : 

July 1, 1918 120,81052 

January 1, 1919 19.876 97 

Credited at other periods 40.859 C4 

Paid but not credited 128 93 

81,176 06 

Average amount of each account January 1, 1919 315 04 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 3i/i 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premituns and discounts $121 ,429 99 

Total expenses of the bank for the year 1918 13,842 90 

IHvidend^ paid to depositors for the year 1918 81 , 176 06 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 26,411 03 



222 



Bepobt on Savinos Banks 



94. THE SOME SAVIHGS BANX; SOME 
[Ut West Domlnlek itreet; Incorporated 1161] 



SAMUEL H. BEACH, President 
HBNUY BARNARD, Br.. Vice-President 
JAMBS A. BAIIiBT. Vice-President 



JAMBS T. STONE. Trenmrer. 
FRANK M. MBBTE. Asst TfeMft. 
CARL SIMON, Secreterj. 



SAMUEL H. BBACH, 
HBNUY BARNARD. Sb., 
JOHN D. McMAHON. 
THBO. J. MOWBT, 



TRUSTEES 

JAMES M. BTHRIDGB. 
CARL SIMON, 
FRED M. SHELLEY, 
JAMES A. BAILBT, 
WESTON JENKINS. 

FIXANOLAL 



JAMBS A. 8PABGO. 
OEOBGB A. CLTDB, 
A. R. KBSSINQER, 
HOWAKD J. ROWLAND. 



RESOURCES 

Bonds and mortgages 

Stock and bond investments; viz. : 



$l,834,84l» 74 



Par 

Btoek9 amd bondt value 

State of New York IGO.OOO 00 

State of Massactausetts 80, 000 00 

State of California 80,000 00 

Cities in other States liBS.OOO 00 

Cities in this SUte 823.627 26 

Towns in this State 80,000 00 

Villages dn this State 46,600 00 

School districts in this SUte 28,000 00 

Railroad mortgaee bonds 760,600 00 



Original 
cost 

162,000 00 
88,790 00 
28,676 00 

172,066 43 

346,186 17 
80,819 00 
47,994 76 
88,688 00 

804,166 66 



Estimated 
market valne 

160,200 00 
70,200 00 
28,200 00 

160,760 00 

326,463 21 
80,900 00 
43.786 00 
28.000 00 

696,746 00 



11.610,727 26 11,688,180 90 $1,489,194 81 



Banking house and lot, book value, $52,000; cost, $54,000; 

actuid cash vfthie 

Other real estate, book value, $13,378.72; cost, $14,265.07; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, vi£. : 

Liberty Bonds held for eubscribers $282,700 00 

Land contracts 3,662 00 

Insurance premiums and taxes advanced 8, 868 12 

U. S. certificates of indebtedness 40,000 60 



1,429,194 21 

52,000 00 

13,378 72 

176,276 08 

50,626 72 

65,396 58 



329,210 12 



$3,950,933 07 



LIABILITIES 

Amount due depositors, viz. : 

Principal $3,604,668 84 

Dividends credited or to be credited for the six 
months ending with December 31, 1818 69,899 99 

Other liabilities, viz. : Liberty Bond deposits 

Surplus on market value 



$3,563,858 83 

26,190 40 

360,883 84 



$3,950,033 07 



Surplus on par value, $442,416.89. 

CASH TRANSACTIONS DURING THE YEAR 1918 

BBCBIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $199,590 73 



From depositors, not including dividends credited 

From interest on loans, deposits and investments 

From rents from banking house 

From rente from other real estate 

From mortgages 

From redemption of stocks and bonds 

From stocks and bonds sold (total par value, $50,000) 



774,882 88 

183,179 45 

300 00 

268 70 

198,113 11 

33,781 64 

47,500 00 



Onbida County 228 

From real estate sold $3,164 94 

From all other sources, viz.: 

Swpenae 1388 10 

Mortgagors tax aad iDSonnce 97 88 

Prafit and loss— Iwtnda parchased 67 51 

Land contracts 900 00 

liberty Bonds, U. S. certiflcates of indebtedness 586,039 18 

Iisoiance returned 5131 

537,483 79 

$1,978,205 14 

PAYMENTS 

To depositors, including dividends paid to them $922 , 381 76 

For loans on bonds and mortgages 38,096 68 

For interest (other than dividei^ payments to depositors) . . 706 24 

for current expenses of the bank, viz. : 

For nlarles $16,394 00 

For taxes : Banking house, $761.29 ; surplus. $3,229.26 ; 

oa mortgages. 1178.00 4.168 66 

Fn- expenses, except taxes, of banking house : 

Repairs HI 20 

Insurance 169 04 

Other 766 00 

For expenses of other real estate, vis. : 

Bepairs 82 75 

lasorance 26S 88 

Taxes 296 41 

Other 25 H 

For other expenses, not indodlng expenses of other 
real estate nor other expenses of banking bouse.. 4,704 74 

25,906 46 

For real estate acquired by foredoeure, or in settlement of 

debts due the bank 5,428 72 

Other payments, viz. : 

Soapefise account 1288 28 

Mortage tax and insumnce account 2,864 68 

Thrift and War Savings Stamps 18,041 28 

USerty Bonds 519,472 60 

V. 8. certiflcates of indebtedness 220,000 00 

Land eontracts 2,250 00 

ProAt and loss— real estate sold 864 94 

758,781 58 

CmA QD hand and in banks or trust companies December 31, 

1918, after transactions of the day 226,903 70 

$1,978,205 14 

STATISTICAL INFORMATION 

Nmnber of open accounts January 1, 1919 10,573 

Number of accounts opened or reopened during the year 1,059 

Number of accounts closed during the year 1,035 

Amoimt deposited during the year, not including dividends 

credited for that period $774,882 88 

Amount withdrawn during the year 922,381 76 

Amomit of dividends credited and paid for the year, viz.: 

Jaly 1, 191g $29,884 19 

Janiary 1, 1919 29,660 54 

Credited at other periods 60,246 a 

FaM tet not credited 866 66 

119,986 49 

Average smount of each account January 1, 1919 336 67 

Bate per cent, of dividends to depositors during the six months 

cadiag June 30, 1918 3% 

Sate per cent, of dividends to depositors during the six months 

CMiing December 31, 1918 3% 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $179,874 15 

Total expenses of the bank for the year 1918 25,906 46 

Dividends paid to depositors for the year 1918 119,986 49 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 33,981 20 



224 Refobt on Savings Banks 

95. THE SAVINGS BAKK OF UTICA, UTICA 

[28S Geneoee street: Incorporated 1889] 

CHARLBS A. MILLER. President. RUFUS P. BIBDSEYB. Treasnrer. 

NICHOLAS B. DBVBRBAUX, Vlce-Pres. HARRY A. HIL8INQBR, SecreUry. 

STEPHEN J. BLDRED. Asst. Secret&ry. 

TRUSTEES 

RUFUS P. BIB08EYB, N. E. DEVERBUX. CHARLES B. ROGERS. 

THOMAS R. PROCTOR. OEORGB L. CURRAN. WARNIGK J. KBRNAN, 

CHARLES A. MILLER. GEO. L. BRADFORD, OTTO A. MBTBR, 

CHARLES S. STMOND8, EDMUND C. RICHARDS, GEORGE C. MASON. 

FRANK E. WHEELER. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $7,854,631 06 

Stock and bond investments, viz.: 

Par Original Estimated 

Btoeka an4 banda value cost market value 

United States |1>947.429 89 |1, 928. 471 69 $1,947.429 89 

State of CkLlifornla 96.000 00 9G.500 05 96.900 00 

Cities in other States 1,426.600 00 1,468,142 60 1,409,677 00 

Counties, villages and towns 

in adjoining States 96.000 00 99,216 88 98,400 00 

Cities in this State 2,106.936 60 2.223,444 34 2,124.514 17 

Counties in this State 76. 000 00 76. 603 99 76, 160 00 

Towns in this State 76.800 00 79.811 97 76,734 00 

Villages in this State 410. 007 88 423, 849 22 408. 442 06 

School districts in this State 99.600 00 106.276 98 101,406 00 

Railroad mortgage bonds .... 2, 298. 362 72 2, 369, 391 36 2, 188, 251 94 
Land Bank oi the SUte of 

New York 40.000 00 40.280 25 40,000 00 



$8, 669, 637 09 $8. 900, 987 23 |8. 666. 804 06 



8,566,804 06 

Promissory notes 5 ,545 00 

Banking house and lot, book value, $93,000; cost, $249,203.30; 

actual cash value 93, OOO 00 

Other real estate, book value, $5,012.80; cost, $5,012.80 

actual cash value , 5 . 012 80 

Cash on deposit in banks or trust companies 1 ,429,810 16 

Cash on hand 125,838 96 

Total of collectible interest 201 ,823 27 

Amount of all other assets, viz.: 

Insurance premiums and taxes advanced $298 22 

Suspense account 1,024 62 

Land contract and accrued Intpreirt on same 3,086 00 

Liberty Bonds held for subscribers 66,600 00 

U. S. Thrift Stamps 887 05 

61,744 80 



$18,344,110 20 

LIABILITIES 
Amount due depositors, viz.: 

Principal $16,063,147 63 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 261. 966 93 

$16,325,113 46 

Other liabilities, viz.: 

Liberty Bond deposits $93.998 73 

Expenses incurred, but unpaid 6,46104 

99,459 77 

Surplus on market value 1 ,919,536 97 

$18,344,110 20 

Surplus on par value, $2,022,370. 

CASH TRANSACTIONS DURING THE YEAH 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January I, 

1918, before transactions of the day $1,355,631 20 

From depositors, not including dividends credited 4, 103 » 237 16 



Oneida Cou^tty 225 

From interest on loans, deposits and investments $838,335 44 

from rents from other real estate 132 67 

Fran mortgaged 400,374 14 

From redemption of stocks and bonds 561,587 31 

From stocks and bonds sold (total par value, $2,065,511.75) . 1,862,091 04 

From loans paid 4,560 00 

From real estate sold 18,500 00 

From all other sources, viz.: 

Uberty Bond sabscriptioDs ^599.713 23 

Thrift Stamps 39,18120 

Town of Oswego 2.88000 

Ujid contracts 500 00 

SoBpenae account 2,866 43 

Praflt and loss 810 00 

Interest snndrles 460 68 

Mortgagors' tax and Insurance accounts 630 30 

646,031 84 

$9,780,480 70 

PAYMENTS 

To depositors, including dividends paid to them $4,356,063 06 

For loans on bonds and mortgages 285,925 00 

For loans on stocks and bonds and other securities 10, 105 00 

For stocks and bonds purchased, including premiums, conunis- 

sions, etc (total par value, $2,734,387.49) 2,548,361 38 

For interest (other than dividend payments to depositors) . . 26,817 51 
For current expenses of the bank, viz.: 

For salaries M2,281 79 

For taxes : Banking bouse, |7,879.66 ; surplus, |17,30&27 

on mortsa^es, fl,376^ 26,664 42 

Fbr expenses, except taxes, of banking house : 

Repairs 502 06 

Insurance 68 19 

Other 2,446 60 

lV>r expenses of other real estate, viz. : 

Repairs 893 18 

Taxes 74 44 

Other 326 27 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 17,634 30 

90,675 24 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 8,512 80 

Other payments, viz. : 

mUs payable 1847,900 00 

a*rtft Stamps 39,95000 

Refunded liberty Loan subscriptions 3,108 60 

Mortgagors* tax and insurance accounts 674 43 

Land contract 3,500 00 

Sospense. profit and loss, Interest sundries 8, 248 66 

898,381 59 

Cash on hand and in banks or trust comx>anies December 31, 

1918, after transactions of the day 1 ,555,649 12 

$9,780,480"70 

STATISTICAL INFORMATION 

Xmnber of open accounts January 1, 1919 34,783 

Xnmber of accounts opened or reopened during the year. . . . 6,049 

Number of accounts closed during the year 6,857 

Amoont deposited during the year, not including dividends 

credited for that period $4, 103,237 16 

Amount withdrawn during the year 4, 356,063 06 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 1265,53063 

Janoary 1^1919 261,966 93 

Credited at other periods 11,113 20 

538,609 66 

Average amount of each account January 1, 1919 469 39 

8 



2!26 Hefovt on Savhtqs Banks 

Number of accounts which exceeded $3,000, exelttslye of diri- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
Judicial sales, or trust funds, or by order of a eourt of 

reeord or of a surrogate. 10 

Total Amount of such accounts f3S,204 92 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 B\6 

Rate per cent, of diyidends to depositors during tiie six months 

ending December ^1, 1918 3% 

Total earnings of the bank for the year 1918, after allowing 

for amortizaiioii of premiimis and discounts 9T88,S19 60 

Total expenses Of the bank for the year 1918 188,732 69 

Dividends paid to depositors for the year 1918 €96,609 66 

K^ earnings for the year 1918 over expenses and dividends 

to depositors 66,477 26 



ONONDAGA COUNTY 



Se. ONONDAGA COUNTY SAVINGS BANK, S7SACUSB 

im BoQtb Salina straet; Inooxpoiatod IBK) 

SS?XJJ- ROWLINO. Preeident DOUGLAS K. PETIT. TreMnnr. 

fP.^BDjL POWSLU Vlce-Pretident. CHARLES A. HUDSON* BMretafj. 
8ALBM HTDS. Vice-President 

TRUSTEES 

CHAJB. B. CHAPPELL. T. Wm. MEACHEM. RALPH E. BOWBN. 

f£Y^BD N. !DEIUMP. A. E. NETTLBTON. CHARLES L. STONE. 

SflAS!;'^ A. HUDSON, HIRAM W. PLUMB. EDWARD A. POWELL, 

fAUBI HTDB, JOHN R. CLANCY. DOUGLAS B. PETIT, 

A. £. McCHBSNBY. HENRY M. ROWUNO. GEORGE TIMMINS. 

ADOLPH H. BCHWARZ. 

FINANCIAL 
REBOUBCBS 

B<md8 and mortgages $18, 167,952 82 

Stock and bond investments, yiz. : 

Par Ortslttal Bstlmated 

^ .^ BtadtB amd hands value cost market value 

United States 12,806,600 OQ |2, 770. 810 65 |2. 806, 600 00 

CJdet in other States 82S,000 00 866.014 26 888,360 00 

Cities in this State 1,880,00060 1,962,964 64 1.7tl,7S600 

Counties In tbis State 88,000 00 88,088 00 36,186 00 

Tbwos In this State 14,40000 16.660 47 14,066 00 

VUases in this State 26,000 00 28,000 00 84,260 00 

BnUroad mortgage bonds.... 6.660.968 00 6,889,100 06 6,066,692 48 

111,168,968 00 ni>409.877 96 $10,086,760 48 

«— — — — — 10,565,760 48 

Promissory notes 6,000 00 

Banking house and lot, book value, $760^000; eoat, $860,- 

445.06; actual caah value 760,000 00 

Otber real estate, book value, $5,884.83; cost, $5,884.83; 

actual cash vahie 5,800 00 

Cadi on dqiosit in banks or trust companies 1,040,804 11 

Cash on hand 208,255 88 

Total of colleotihle interest 521,313 27 

Amount of all oliier assets, viz. : 

Land contracts 184,888 60 

Inraranoe preDtfnms and taxes advanced 2»6S1 69 

Rent accrued 8,466 00 

40,863 29 



$31,308,859 35 

LIABILITIES 
AnoQnt due depositors, viz. : 

PMndj^l $28,288,907 69 

Dividends credited <ir to be credited for the six 
months ending with December 31, 1918 642,288 20 

$28,831,195 88 

Otlier liabilities, viz.: Treasurer's checks outstanding 33,377 07 

Sarphis on nnurket value 2,444,286 40 

$31,308,859 35 



Sarphis on par value, $3,037,493.92. 

CASH TRANSACnONS DimiNG THE YEAR 1916 

RECEIPTS 
CMh on hand and in banks or trust companies January 1, 

1918, before transactions of the day $1 ,325,368 11 

From depoaitors, not including dividends credited 7,367,219 10 

[2271 



228 Bepobt on Savings Banks 

From interest on loans, deposits and investments $1, 405,572 39 

From rents from banking house 48,092 19 

From rents from ot)ier real estate 84 20 

From mortgages . . . 546,192 00 

Fr<»n redemption of stocks and bonds 1 , 172 ,400 00 

From stocks and bonds sold (total par value, $1,761,618.79) . . 1,752,091 59 
From all other sources, viz.: 

Treasurer's checks 174,584 60 

Land contracts 11,602 00 

Insurance premiump and taxes advanced refunded.. 0,996 60 

War Savings Stamps 8,248 91 

Thrift Stamps sold 2,40000 

103,833 91 



$13,720,853 49 



PAYMENTS 



To depositors, including dividends paid to them $7,835,322 38 

For loans on bonds and mortgages 109,500 00 

For stocks and bonds purchasML, including prenriums, commis- 
sions, etc. (total par value, $3,778,841) 3,743,051 65 

For interest (other than dividend payments to depositors) . . 15,857 47 

For current expenses of the bank, viz. : 

For salaries 149.666 21 

For taxes: Banking house, 121,192.40; surplus, |22,- 

125.11 43,317 61 

For expenses, except taxes, of banking bouse: 

Repairs 2,696 27 

Insurance 575 66 

Other 41,39130 

For expenses of other real estate, vi£. : 

Repairs 140 63 

Taxes 416 30 

Other 200 00 

For other expenses, not including expenses of other 

real estate nor other expenses of banking bouse.... 13,910 16 

152,202 93 

For real estate acquired by foreclosure, or in settlement of 

debta due the bank 11,761 71 

Other payments, viz.: 

Treasurers' checks 189,265 60 

Insurance premiums and taxes advanced 7,406 69 

Thrift and War Savings Stamps 11,328 67 

Note paid BOO. 000 00 

Tellers cash short, other real estate 743 38 

Commission, repairs, Judlgment 276 17 

609,007 36 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 1 > 244, 149 99 



$13,720,853 49 



STATISTICAL INFORMATION 



Number of open accounts January 1, 1919 55 , 591 

Number of accounts opened or reopened during the year 11 ,S73 

Number of accounts closed during the year 11, 256 1 

Amount deposited during the year, not including dividends 

credited for that period $7 ,367 ,219 10 

Amount withdrawn during the year 7,821 ,665 60i 

Amount of dividends credited and paid for the year, viz. : 

Juljr 1, 1918 $688,627 96 

January 1, 1919 642,28829 i 

Paid but not credited 13,666 78 

1,094,473 Qd 



Onondaga County 229 

Arerage amount of each account January 1, 1019 $518 63 

Kumber of accounts which exceeded $3,000, exclusive of divi- 

dmds credited^ at the last trial balance of depositors' ledgers, 

except depoeita arising from society accounts, or judicial 

Mies, or trust funds, or by order of a court of record or of 

a surrogate 12 

Total amount of such accounts 36,670 98 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $1 ,454,026 00 

Tdial expenses of the bank for the year 1918 161 ,024 85 

Dividends paid to depositors for the year 1918 1,094,473 02 

Set earning for the y<^r 1918 over expenses and dividends 
paid to depositors 198,528 13 



330 BspoBT ON Savings Banks 

97* SKANSATELES SAYINOS BAHE, SKANBATBLBS 

[GeBCMe ttrewt; Incorporated 1886] 

J. HORATIO EARLU President. W. F. CUDDEBACK. Vlce-Preeldent 

J. C. STEPHENSON* Viee-Presldent H. WIXSLOW THUELOW, Treasurer. 

TRUSTBB8 

J. HORATIO BABLU DAVID COLTON, F. EDGENO 8VOMB; 

JOHN C. STEPHENSON. WILMAM T. THORNB, WILLIAM LOCKWOOD. 

W. F. CUDDEBACK. CHARLES W. HUNT, C0B141BLIUS MITCHELU 

H. WINSLOW THURIiOW, GEORGE SMITH. T. 8. 8HOTWBLL, 

FOREST G. WEBK8, 

FINANCIAL 

RESOURCB8 

Bonds and mortgages $891 , 260 74 

Stock and bond investments, vis.: 

Par Orlslnal Estimated 

Btoeka and JtondB valne cost market value 

United States |79.2o0 00 $79*250 00 $79,260 00 

State of New York 30,000 00 80,26000 aO,200 00 

Cities in this State 166.500 00 168.184 35 164.110 00 

Villages in this State 48. GOO 00 49, 062 00 47. 781 00 

School districto in this State 46,600 00 45.621 90 44,604 26 

Railroad mortgage bonds.... 110.000 00 101.567 91 79.660 00 

$479. 850 00 $473. 916 16 $445. 645 26 



445,645 25 
Banking house and lot, boc^ value, $9,500; cost, $13,591.31; 

actual cash value 9,500 00 

Gaah on deposit in banks or trust companies 162,056 33 

Cash on hand 19,288 35 

Total of collectible interest 22,744 02 

Amount of all other assets, viz. : Rent accrued 77 00 



$1,650,561 69 



LIABILITIES 

Amount due depositors, viz.: 

Principal $1,408,462 28 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 26, 906 99 



$1,435,371 27 
Surplus on market value 115, 190 42 



$1,550,561 69 



Surplus on par value, $149,395.17. 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in bonks or trust companies January 1, 

1918, before transactions of the day $196,322 11 

From depositors, not including dividends credited 919,667 40 

From interest on loans, depoeita and investments 74,475 07 

From rents from banking house 324 00 

From mortgages 39 ,235 00 

From redemption of stocks and bonds 78,950 00 

From stocks and bonds sold (total par value, $34,600) 34,500 00 



$1,343,473 58 



PAYMENTS 



To depositors, including dividends paid to them $949,015 45 

For loans on bonds and mortgages 67 >250 00 



OvoiTDAOA County 231 

For stocks and hondfl puitsba^ed* iiyhylittg prcpnimos* eonuois- 

uooB, etc (total par vahie, $137,100) $137,100 00 

Fmr interest (other tkan divi^aad payiMMta to^ depoMtora) . . 12 30 

For current cxpaaaea el tW bask* via.» 

For Mlarles |K»S8000 

For taxes: Banking house, |lK.(tS: surplus, |1,0S6^ 1,282 46 
For expenses, except taxes, of baaatof h<Miae: 

Repairs 227 42 

Insttranea ^ TBI 20 

For other cspenaes, not Inclndtac sqpenses of othor 
nsl esSate mar sther expenses of bankSag hoass. . S,1tl 19 

S,751 06 

C>sah on hand and in banks or truat aompaaioB Deeember 31, 

1918, after transactiona of the day .' 181,344 08 

$1,343,473 68 

STATISrnOAL INFORMATION 

Ntimber of open aceomta Januaiy 1, 1919 4,061 

Number of aGconnta opened or reopened during the year .... 380 

Xumber of acxouata cuwed during tlie yeax 307 

Amoont deposited during the year, not including diyidenda 

credited for that period $919,M7 49 

Amoont withdrawn ourinff the year 949,916 46 

Amount of dividende oedlted aid paid for the year, Tis.i 

July 1, 1918 $26.468 78 

Jsaasry 1. 1919 26,242 67 

Ciedltea at other periods 771 96 

63»5a3 40 

Aversge amount of each account January 1, 1919 363 27 

Batrper sent, of diyidends to depoaitora (Uiring the six months 

ei^iBg June 30, 1918 4 

Rate per eent. of dividends to depositors during the six months 

ending Deeember 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortiaaticm of premiums and discounts $73,299 20 

Total expoises of the bank for the year 1918 8,761 06 

Diridends paid to depositors for the year 1918 63,683 40 

Ket eaminga for the year 1918 over mpnues and dividends 

paid to depositors 10,964 74 



" "II c 



232 Kefobt on Savings Banks 

98. SYSACUSB SAVINGS BANK, SYRACUSB 
[103 North Salina street; Incorporated U48] 

GEORGE DOHENT, Preaident EDWARD JOY, Vlce-Prealdent. 

WILLIAM J. REIDEU Treaanror. 

TRUSTEES 

JACOB AMOS. ALAN C. FOBES, W. J. REIDEL. 

FRED*K W. BARKER, WALTER E. GARDNER, VVINU R. SMITH. 

ALEXANDER H. COWIB, EDWARD JOY. PR FOREST SETTLE. 

JOSEPH W. DAWSON, WILLIAM MUENCH, LEROY B. WILLIAMS. 

J. FRANK DURSTON, DENNIS MCCARTHY, ARTHUR W. LOASBY. 

GEORGE DOHENY, A. JUDD NORTHRUP, 

FINANCIAL 
RESOURCES 

Bonds and mortgages , $10,651 ,055 00 

iStock and bond investments, viz.: 

Par Original Estimated 

Stocks and honds value cost market value 

Uolted States |831,6»)4S |831.519 96 |831.620 48 

>'tate of Mississippi 100,000 00 100,126 00 92,000 00 

Cities in other States 453. OOO 00 478, 714 80 416,940 00 

Cities In this State 1, 337. 160 OO 1, 446. 062 02 1, 312.616 60 

Counties in this State 106. 000 00 103. 644 76 100, 180 00 

Towns in this State 66.000 00 66.764 96 52.760 00 

Railroad mortgage bonds.... 4.003.000 00 8.979.06161 8,400.750 00 

16.886,670 48 $6,994,833 01 16,206,766 98 



6,206,756 98 

Banking house cmd lot, book value, $258,619 ; cost $423,569.97 ; 

actual cash value 258,619 00 

Cash on deposit in banks or trust companies 287,195 42 

Cash on hand 59,610 22 

Total of collectible interest 78,438 58 

Amount of all other assets, viz.: U. -8. Thrift stamps 50 

$17,561,575 70 



LIABILITIES 

Amount due depositors, viz.: 

Principal 115,142,082 14 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 294, 413 60 

$15,436,496 74 

Other liabilities, viz.: 

Liberty Loan deposits 149,13800 

Tellers' and treasurers' check outstanding 14,194 67 

Fire insurance deposit pending settlement 2,186 00 

Deposit as security for searches loaned 290 00 

65,803 67 

Surplus on market value 2,049.271 20 

$17,551,575 70 
Surplus on par value, $2,728,184.79. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $467,892 47 

From depositors, not including dividends credited 3,889, 103 71 

From interest on loans, deposits and investments 832 , 395 04 

From rents from banking house 22,286 2f» 

From mortgages 423,700 OO 

From redemption of stocks and bonds 25,350 OO 



Onondaga County 233 

From stocks and bonds sold (total par value, $206,349.96) . . $207,165 56 

From real estate sold 1 , 853 00 

From all other sources, viz. : 

Tellers' and treasurers* checks $1,440.53190 

I>epo8lts for application fees and searobes loaned.. 7,532 00 

Hre losses pendliK 12,597 70 

War Savings certificates and Thrift Stamps 9, 190 93 

Deposits for Liberty Bonds; Liberty Bonds sold.... 835.810 27 

C. S. certificates of indebtedness 150, 000 OO 

Deposlto rs' notes, deflcienc j Jndsments 3, 415 89 

Eeser?ed for Uxes 13,000 00 

2,472,078 69 



$8,341,825 63 

PAYMENTS 

To depositors, including dividends paid to thenr $4,143,990 49 

For loans on bonds and mortgages 451,700 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $6,155.38) 6,155 38 

For interest (other than dividend pajTnenta to depositors) .... 12,121 90 

For current expenses of the bank, viz, : 

Fvt salaries 133,594 82 

For taxes : Banking house, |6,261.15 ; surplus, 

|U,512.78 77. 19.878 93 

For expenses, except taxes, of banking house : 

Aepairs 10,904 41 

Insurance 103 95 

Other 8.463 79 

For rent of ^banking rooms 6, 500 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 7.700 27 

87,141 17 

Other payments, viz.: 

Tellers' and treasurers' checks paid |1, 451, 879 69 

Application fees, deposits for searches loaned 8,053 90 

lare losses, taxes, depositors' notes 25,850 40 

Liberty Bonds purchased. Liberty Loan deposits.... 1,635.687 52 
War Savin gs Certificates, Thrift Stamps 162, 533 54 

3,284,011 05 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 356,705 64 

$8,341,825 63 

STATISTICAL INFORMATION 

Xmnber of open accounts January 1, 1919 28,692 

Kumber of accounts opened or reopened during the year 2,841 

Xumber of accounts closed during the year 2,500 

Amoimt deposited during the year, not including dividends 

credited for that period $3,889, 103 71 

Amount withdrawn during the year 4, 143,990 49 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1S18 $292,290 36 

Jasaary 1. 1919 294,413 60 

Credited at other periods 676 81 

587,279 77 

Average amount of each account January 1, 1919 538 00 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Hate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts. ....*' $821,493 57 

Trjial expenses of the bank for the year 1918 87, 141 17 

Dividends paid to depositors for the year 1918 687,279 77 

Xet earnings for the year 1918 over expenses and dividends 

paid to depositors 147,072 63 



ONTARIO COUNTY 



M. GENEVA SAVIHGS BAHK, OBNBTA 

[31 Seneca street ; teeoiponted 1S10] 

JAHB8 B. BBOWN. Pretldent H. A. WHBAT, Vlce-Preti4€Bt 

A. P. B08B, Tice-PreitdeBt. QBOBQB D. WHBDON, Treotarei 



▲LBXANDBB D. ALUBN, 
JAHB8 B. BBOWN. 
WILUAH O. DOVk 
FBBDBBICK M. FAST, 
JOHN G. FITZWATBB^ 
LAKBINQ O. HOSKINi 
WHITMAN H. JOBDON, 



TRUSTEES 

ALFRBD O. LBWI8, 
GEOROB F. LIGHT. 
PATRICK O'M ALUDT. 
CHABLBS 8. BUBBALU 
ARTHUR P. R08B, 
H. H. BCHIEFFBLIN, 



FINANCIAL 
RESOURCES 



THEODORE J. SMITH. 
EDWIN 8. THORNS. 
HENRY A. WHEAT. 
OBQBOB D. WHEDON. 
THOMAS B. WILSON. 
FBBDBBICK D. WHITWBLX. 
JOHN PABMBNISR. 



Bonds and mortgages 

Stock and bond investments, viz.: 

Par 
Btoekt and hond* value 

United! SUtes 198,600 00 

aUes in other SUtes 35.000 00 

Citiee in this SUte 56.000 03 

Villases in this SUte 40.000 00 

Sehool dlBtricts in this State 25.600 00 

Railroad mortgage bonds.... 176,000 00 



$721,290 50 



Original 

cost 

188.600 00 

85.967 00 

66,707 51 

40,606 45 

36.547 66 

169.361 36 



Esftlinated 

market valaa 

188.600 00 

35.060 00 

57.766 60 

40.430 00 

37.030 S 

155.670 00 



|431«400 00 1427.79188 1414.472 75 



Promissory notes 

Cash on deposit in banks or trust companies. 

Cash on hand ,i . . . 

Total of collectible interest 

Amount of all other assets, yiz.: 

Fnrnitnre and fixtures 

U. S. Thrift sumps 



1350 00 
107 60 



414,472 75 
2,154 40 

98,031 43 
9,d40 68 

11,040 89 



457 50 



$1,256,488 15 



LIABILITIES 
AMiotmt due depositors, viz.: 

.Principal |1«3IO,905 66 

DiTidends credited or to be credited for the six 
montlis ending with December 31, 1918 21.376 40 



Surplus on market vahie. 



$1,232,281 09 
24,207 06 

$1,256,488 15 



Surplus on par yalue, $41,134.31. 

CASH TRANSACTIONS DURINO THE YEAR 1918 

BBCEIFTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day 

From depositors, not including dividends credited 

Prom interest on loans, deposits and investments 

From mortgages 

1234] 



$102,648 45 

630,791 00 

59,606 59 

16,364 00 



335 

$34,560 00 
123, ISS 64 
20,001 30 



-i^Sse--"''- '".-'"^■•i-..-a4, 

^*''»*Ut's.- 

"■wp.....-..;. „ 

T u.wi« 

'•V'«.. ^ "•'^" 

f" <S^' on 'l?'^U<li„ PlTu •i.oio.ooo 08 

Jaat,,^^ ■' l"."g 11 

SwJ"' of r^ acco-.^^^^STTr.,, «1, 010, 060 02 

, """.ili "^"M ,u,H »a3»,7»l 00 






42,99S 08 
230 OS 



C59,114 «2 
8,700 18 
42, WW 08 

7,4ie 36 



ORANGE COUNTY 



100. THE CORNWALL SAVINGS BANK, OOSNWALL-ON-THS-HUDSON 

[Incorporated 1871] 

TOWNSHND D. WOOD, President. PATRICK BBVANS. Vkre-PreBident. 

L. GRA:NT OOODNOUOH, Vlce-Pres. GILBURT T. COCKS^ Treasurer. 

TRUSTEES 

PATRICK BEVANS, L. GRANT GOODNOUGH, GBOROB B. MAILLBR. 

CHARL£S C. COCKS. EDWARD L. SYLCOX, FLOYD W. MAILLKK. 

GILBBUT T. COCIOS. FRANK B. VICKEUB, JAMBS C. KBTCHAM, 

HARVEY A. CALL, TOWNSBND D. WOOD, GEORGE H. C. HOLK. 

FINANCIAL 
RES0URCB8 

Bonds and mortgages $283,627 00 

Stock and bond investments, viz.: 

Par Original Bstlmated 

Stocks and honde value cost market value 

United States 114.846 00 $14,834 00 $14,846 00 

State of Virginia 5.000 00 4.616 60 4.450 00 

State of Colorado 12,400 00 12,400 00 11,036 00 

Cities in this State 36,000 00 36.974 74 35,970 00 

Towns in this State 8,200 00 8,200 00 8,844 00 

Villages in this State 12, 200 00 12, 962 39 12.033 60 

Railroad mortgage bonds 39,000 00 89,790 29 29,340 00 

$127,646 00 $129.077 92 $116.019 50 



116,019 50 
Banking house and lot, book value, $5,700.00; cost, $5,728.13; 

actual cash value 5,700 00 

Cash on deposit in banks or trust companies 41 ,357 74 

Cash on hand 1 , 802 15 

Total of collectible interest 8,016 38 

Amount of all other assets, viz.: 

Furniture aud fixtures $950 00 

Taxes advanced 80 08 



1,030 08 



$457,552 85 



UABILITIBS 
Amount due depositors, viz.: 

Principal $424,909 GO 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 7,943 75 



$432,853 25 
Surplus on market value 24, 699 60 

$457,552 85 



Surplus on par value, $36,326.10. 

CASH TRANSACTIONS DUMNG THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $27,923 21 

From depositors, not including dividends credited 86,919 66 

From interest on loans, deposits and investments 2I,110 49 

From rents from banking house lOO oo 

Fromr mortgages 25,655 OO 

From redemption of stocks and bonds 20,500 OO 

$182,20 8 36 
[236] 



Obakge County 237 

P.1YHENT8 

To depositors, including divid^ends paid to them $104,852 53 

For loans on bonda and mortgages 2 , 000 00 

For stocks and bonds purchawd, including premiums, commis- 
sions, etc (total par value, S29.834) 29,834 00 

For interest (other than dividend payments to depositors) ... 74 90 

ITor current expenses of the bank, viz. : 

For salaries 11,460 00 

For taxes : Banking bouse, 135.60 ; 8un>lu8. |224,46. . 200 05 

For expenses, except taxes, of banking house : 

Repairs 17 26 

Other 91 83 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 387 73 

2,206 87 

Otber payments, viz. : Taxes advanced 80 08 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 43, 159 89 

$182,208 36 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 1.324 

Number of accounts opened or reopened during the year. . . . 126 

yiunber of accounts closed during the year 130 

.\mount deposited during the year, not including dividends 

credited for that period $86,019 66 

dmoont withdrawn during the year 104,852 53 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1S18 18.117 66 

Janoary 1. 1919 7,943 75 

16,061 40 

Ayerage amount of each account January 1, 1919 327 18 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' ledgers, 
except deposits arising from society accounts, or judicial 
sales, or trust funds, or by order of a court of record or of 

a surrogate 1 

Total amotmt of such accounts $3, 174 68 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $21 ,774 15 

Total expenses of the bank for the year 1918 2,206 87 

^ividentte paid to depositors for the year 1918 16,061 40 

N'et earnings for the year 1918 over expenses and dividends 
paid to depositors 3,505 88 



r 



238 Eepobt on Savinqs Banks 

101. GOSHEN SAVINGS BANK, GOSHEN 

[11 West Main street; Incofperated UTl] 

AARON V. D. WALLACE. President. H. B. SMITH, Treasurer. 

WILLIAM KNIFFIN. Ylee-FKsldent. GBOR6B LUPT, Jr., Asst Treasnrsr. 

THOMAS MOULD, Vice-President. 

TBUSTEES 

FRANK DRAKE, THOMAS MOULD. HARRY B. SMITH, 

WILLIAM KNIFFIN. EDWIN L. ROYS, JOSEPH MBRRITT. 

RALPH L. McGBOCH. G. H. BBNNBTT. AARON V. IX WALLACE. 

WILLIAM A. WELL& 

FINANCIAL 

RESOURCES 
Bonds and mortgages $1,023,710 00 

Stock and bond investments, viz. : 

Par Original, Estimated 

Btoeks and hands value cost market value 

United States IHO.OOO 00 1110,000 00 $110,000 00 

Cities in this State 65,800 00 66,764 32 63,126 00 

Counties in tMs State 18. 000 00 18, 471 38 18. S70 00 

Towns in this State 83,000 00 36,216 10 36,310 00 

ViUages in this State 107.600 00 109.598 82 1U,086 26 

School districts in this State 42,000 00 42,884 10 42,515 50 

Railroad mortgage bonds.... 2U,600 00 214,«46 2S 185,066 00 

1687,800 00 1597.670 97 1665.682 76 



665,092 75 

Cash on deposit in banks or trust companies 77,745 47 

Cash on hand 12,710 80 

Total of collectible interest 21 ,499 70 

Amount of all other assets, viz.: Liberty Bonds held for 
customers 17 ,668 72 



$1,718,936 44 



LIABILITIES 

Amount due depositors, viz.: 

Principal $1,595,688 86 

Dividends credited or to be credit«>d for tibe aix 
months ending with December 31, 1918 30,367 89 



$1,6^,056 25 

Other liabilities, viz.: Liberty Bond deposits 7,007 00 

Surplus on market value 85,873 19 

$1,718,936 44 



Surplus on par value, $107,980.44. 

CASH TRANSACTIONS DURING THE YRAR 1918 

RECEIPTS 
Cash on hand and in banks or trust oompanies January 1, 

1918, before transactions of the day $105,060 59 

From depositors, not including dividends credited 322,121 96 

From interest on loans, deposits and investments 78,906 85 

From mortgages 127,850 00 

From redemption of stocks and bonds 22, 100 OO 

From all other sources, viz.: U. S. Liberty Bonds sold 15,529 OO 



$671,568 40 



PATMBMTS 



To depositors, including dividends paid to them $398,571 05 

For loans on bonds and mortgages 67,300 CO 



Obanos Coujttt 290 

For rtocka and bonds poKimmd, inefaidiiig prvmiums, eommifl- 

WHOM, etc. (total par value, $88,000) $88,471 88 

For intereat (other than dividend payments to depositors) ... 6 25 

For camiit expenses of the baak> vici 

Foraslanes. $S,800 OS 

V^ taxes: BarpISB 8U SI 

For rent of banking rooms 4S0 00 

FSr other expenses, not including exi>en8efl of other 
real estate nor other expenses of banking house.. l.OU M 

6,IM» 65 

Other poiyiiMBts, via.: U. S. Liberty Loan Bonds 21. 100 00 

Cssh OB band and in banks or trust oompanies Deeember 31, 
1918, after transactions of the day 90,465 27 

$671,568 40 



STATISTICAL INFORMATION 

Kunber of open accounts January 1, 1919 3,384 

Numbo' of accounts opened or reopened during the year 335 

Number of accounts closed during the year 440 

'Amount deposited during the year, not incbiding dividends 

eredited for that neriod $32E,121 00 

Amount withdrawn during the year 398,571 95 

Amount of dividends credited and paid for the year, viz.: 

Jsly 1. 1S18 |Sl,lS0f7 

Jsmiary], 1919 30,167 81 

01,490 86 

Avenge amount of eaeh account January 1, 1019 480 51 

Bsle per eent. of dividends to depositors during the six months 

mAog June 30» 1018 i 

Rate per cent, of dividends to depositors during the six months 

CD&ig December 31, 1918 4 

Total earnings of the bank for the year 1018, after allowing 

for amortination of premiums and discounts $77,843 .35 

Total expenses of the banlc for the year 1018 5,653 5& 

INviteds paid to depoaitors for the year 1018 61,408 36 

M earnings for the year 1918 over expenses and dividends 

paid to depositors 10,691 44 



240 Report on Savings Banks 

102. MIDDLETOWN SAVINGS BANK, MIDDLETOWN 

[2 South street; incorporated 1866] 

GEO. A. SWAYZB. Preiiident. HAROLD B. WOODWARD. Tr«»a»arer. 

EDMUND MILI.EN. Vice-President. CHAS. B. BUCKLEY, Asst. Treas. 

JAMES A. CLARK, Vlce-Prenldent GEORGE R. WENGENROTH, Asst. Secy. 

JAMES F. DOLSON. Asst. Secy. 

TRUSTEES 

EDMUND MITJ.EN, CHARLES L. MEAD. JAMBS B. GIBBS, 

JOHN B. ISBMAN. GEORGE A. SWAYZE. JAMES H. SMITH. 

JAMBS A. CLARK. GEORGE W. BALLUU. H. B. WOODWARD. 

JOHN W. SLAUSON. i. w . . . . . DANIEL B. SWEENEY. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $3,277 ,370 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btocks and honds value cost market value 

United States |440,83fi f8 |4.38,540 J?9 1440,836 58 

State of Massachusetts 75,000 00 82.687 50 65.250 00 

State of California 10,000 00 10,152 30 10,150 00 

Cities In other States 144. 600 00 146. 886 10 144, 125 00 

Cities in this State 408.000 00 427,847 69 402,875 00 

Counties in this State 105.000 00 108,160 00 97,650 00 

Towns in this State 40.00000 40.000 00 38,000 00 

Villages in this State 138,000 00 143,990 73 141,5fi6 00 

School districts in this State 47,000 00 47,291 13 47,660 00 

Railroad mortgage bonds 1,100,598 00 1,092.169 66 947,912 76 

%2, 508, 934 58 $2, 587. 716 OO $2. 336. 024 34 



2,336,024 34 

Promissory notes 10,539 42 

Banking house and lot, book value, $21,345.30; cost, |26,- 

284.98 ; actual cash value 25,000 00 

Other real estate, book value, $150,143.21; cost, $151,481.60; 

actual oash value 151 ,000 00 

Caeh on deposit in bank-s or trust companies 411, 104 76 

Cash on hand 88 ,941 00 

Total of collectible interest 64,341 48 

Amount of all other assets, viz. : 

Rent nccnied $35 00 

U. S. Thrift Stamps 66 00 

100 00 



$6,364,421 00 



LIABILITIES 

Amount due depositors, viz.: 

Principal $5,850,159 37 

Dividends cr(»ditc(l or to bo crodltod for the irfx 
months ending with December 31, 1918 Ill, 051 13 



$6,961,210 60 



Other liabilities, viz.: 

Liberty Bondf deposits $27,282 00 

Bills payable, Liberty Bond loans 90,000 00 

117,282 OO 

Surplus on mrarket value 285 ,928 50 

$6,364,421 OO 

Surplus on par value, $458,838.74. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $531 ,356 86 

From depositors, not including dividends credited 1,261,494 11 

From interest on loans, deposits and investments 279,488 45 

Frcnn rents from banking house 420 OO 



Orange County 241 

From rents from other real estate $8,429 60 

From mortgages 8&, 740 00 

From redemption of stocks and bonds 136,500 00 

From stocks and bonds sold (total par value, $351,420.60) . . 351,420 60 

From loans paid 37,086 70 

From all other sources, viz. : War Savings and Thrift Stanrps 

and Liberty Loan bonds 206, 118 45 

$2,902,053 77 

PAYMENTS 

To depositors, including dividends paid to them $1,340,103 67 

For loans on bonds and mortgages 45,300 00 

For loans on stocks and bonds and other securities 45,791 12 

For stodcs and bonds purchased, including premiums, conunis- 

Bicms, etc. (total par value, $692,944.86) 691,793 51 

For interest (other than dividend j^ayments to depositors) . . 706 56 

For current expenses of the bank, viz. ; 

For salaries 117.783 QD 

For taxes: Banking house, M17.70; surplus, $2,633.64; 

on mortgag'es, 1116.50 3,067 84 

For expenses, except taxes, of banking house : 

Repairs 104 02 

Insurance 90 08 

For expenses of other real estate, viz. : 

Insurance 673 54 

Taxes 8,786 00 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house. . 4, 647 61 

30,101 84 

Other pavments, viz.: 

Variation In cash 986 02 

Thrift and War Savings Stamps, Liberty Loan 

bonds 247,932.90 

IxMs on mortgage 98 16 

Error in interest 3 38 

248,121 31 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 500,045 76 

$2,902,053 77 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 13, 140 

Xnmber of accounts opened or reopened during the year 1,424 

Xamber of accounts closed during the year 1 ,448 

Amoant deposited during the year, not including dividends 

credited for that period .$1,261,494 11 

.Amount withdrawn during the year 1 ,340, 193 67 

Ammmt of dividends crecuted and paid for the year, viz.: 

Jaly 1, 1918 1110,874 70 I 

January 1, 1919 111,061 18 i 

221,925 83 I 

Average amount of each account January 1, 1919 453 59 | 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discountA $288,962 85 

Total expenses of the bank for the year 1918 30,290 25 

IHvidends paid to depositors for the year 1918 221 ,925 83 

^et earnings for the yoar 1918 over expenses and dividends 

paid to depositors 36,746 77 



242 Report on Savings Banks 

103. NEWBUSGH SAVINGS BA9K, MSWBUBGH 

[40 P«nltta atieet: incorporated 19SX} 

THOMAS J*. BALFE; i^resldcnt. JOHN T. HOWEIJC^ Secretary. 

F. W. SBNFF. Vice-President FRBDBRICK C. BALFE, Treaanrer. 

WM. F. CA43SBDY. Vlce-PreBldent. HARBY F. SMITH, Aaat Tress. 

TRUSTKES 

THOMAS F. BALFB, GEORGE W. GREEN, FRBD'K C. BALFB, 

SAMUEL L. STEWART, F. W. 8BNFF. JOHN T. HOWELL. 

WILLIAM O. MAILLER, WILLIAM F. CAS8EDY. HIRAM MERRITT. 

JOSEPH CHADWICK. THOS. F. CHADWIGK. EDWARD B. WBBD. 

FINANCIAL 
BBSOUBOBS 

Bonds and mort^e© $7»432»d62 75 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and h<mdB valne cost market valae 

United States $1,772,10000 $1,772,10000 $1,772,10000 

State o(r New York 100,000 00 100,000 00 101,000 00 

State of MassachusetU 115, 000 00 119, fiOO 00 110, 400 00 

Cities in other States 400.50000 431,64080 402,610 00 

Cities Id this State 8,366.15157 8,564,977 21 8.376.247 67 

Counties in this State 414, OOO 00 460.026 80 412, 796 00 

Towns in this State 61,00000 61,653 80 61.07000 

School districts in this State 9.000 00 9,000 00 9.000 00 
Land Bank of the State of 

New York 160,000 00 160,428 44 160,20000 

$6,887,751 67 $6,669,437 05 $6,403,322 67 



6,403,322 67 
Banking house and lot, book value, $20,000; cost, $115,527.16; 

actual cash value 20,000 00 

Cash on deposit in banks or trust companies 822,315 15 

Cash on hand 80,088 92 

Total of collectible interest 177,591 93 

Amount of all other assets, viz.: U. S. War Savings Stamps. . 123 50 

$14,986,104 92 

LIABILITIES 
Amount due depositors, viz.: 

Principal $12,660,747 06 

Dividends credited or to be credited for libe six 
months ending with December 31, 1918 240, 998 87 

$12,791,745 42 

Snrplus on market value 2, 144, 359 50 

$14,936,104 92 

Surplus on par value, $2,128,788.40. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECBIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $938,847 11 

From depositors, not including dividends credited 1,659,944 27 

From interest on loans, deposits and investments 6^,1Mf9 79 

From rents from banking house 1 ,783 13 

From mortgages 601 ,725 00 

From redemption of stodcs and bonds 1 , 862,247 54 

From stocks and bonds sold (total par value, $258,200) .... 258,200 00 

From loans paid 8,475 00 

From all other sources, viz. : War Savings Stamps 1 , 106 40 

$5,995,578 24 



OfiANOB County 243 

PAYMENTS 

To depositora, inehiding dividendB paid to them $2 » 172,017 24 

For loans on stocks and bonds and other securities 8,475 00 

For stodu and bonds purchased, including premiums, commis- 
sions, etc (total par value, $2,858,661.67) 2,858,561 57 

For interest (other than dividend payments to depositors) .. 402 21 

For current expenses of the bank, viz. : 

^r salaiies 127,928 9! 

For Uses : Baaklii^ house, 1746.68 ; surplas, |19,86t.R 20, 106 40 
F^r ezpeDsea, except taxes, of banking bonse : 

Repairs 268 21 

Insurance 192 38 

Other 598 00 

For other expenses, not including expenses of other 
real estate nor other expenses of banking bouse.. 3,406 19 

62,488 25 

Other payments, viz.: 

U^erty BonOB $300 00 

War SsTlngs Certlflcates 929 90 

1,229 00 

CsBh on hand and in banks or trust companies December 31, 

1918, after transactions of the day 902,404 07 

$5,995,578 24 

STATISTICAL INFORMATION 

Nomber of open aocounte January 1, 1919 18, 843 

Number of accounts opened or reopened during the year 2, 182 

Number of accounts closed during the year 2, 474 

Amount dmositedl during the year, not including dividtendts 

eredHad f<yr thai period $1,659,944 27 

Afflomit withdrawn during the year 2, 172, 017 24 

Amount of dividends credited and paid for the year, vis. : 

July 1,1918 1242,677 98 

Jsnuarr 1, 1919 240,99887 

483,676 35 

Aversge smount of each account January 1^ 1919 678 85 

Bate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 ; 4 

Hate per cent, of dividends to depositors during the six moBths 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $657, 230 85 

Total expenses of the bank for the year 1918 62, 488 25 

Dirideads paid to depositors for the year 1918 483, 676 36 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 121, 066 25 



244 Report on Savings Banks 

104. WALDSN SAVINGS BANK, WALDEN 

[Corner Uliter ayenne and Bank street; Incorporated 1872] 

HTRAM B. WOOSTER, President CHARLBS W. 8ADLIER, Treasurer. 

THBRON U MILLSPAUQH, Vlce-Pren. LOUIS H. CLUM, Asst. Secretary. 

EDWARD WHITEHEAD. Vice-President. 

TRUSTEES 

T. L. MILLSPAUOH, EDWARD WHITEHEAD, HARVEY N. SMITH, 

HIRAM B. WOOSTER, CHARLES W. SADLIER, JOHN SIMPSON. 

ALBERT S. BMBLEB. R. A. DEMARB8T, JOHN AHRBN8. 

JAMES H. DBNNISTON, C. FRED FOWLER. J. LOUIS SCHRADE. 

FINANCIAL 

RESOUDEtCES 

Bonds and mortgages $665, 750 00 

Stock and bond investmentSi viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States 1106.000 00 $105.834 00 1106,846 00 

State of Massachusetts 5. 000 00 5. 687 60 4. 600 00 

Cities in other States 40. 000 00 42, 606 48 40. 900 00 

Cities in this State 76,000 00 77,796 10 72.280 00 

Towns in this State 38.000 00 39,028 79 37.140 00 

Villages in this State 73, 600 00 76. 331 70 71. 660 00 

School districts in this State 19.900 00 20,763 66 20.106 00 

Railroad mortgage bonds.... 90,000 00 87,062 60 72,800 00 

1448, 400 00 $464,060 63 $426, 122 OO 



425,122 00 
Banking house and lot, book value, $1^,000.00; cost, $19,- 

262.54; actual cash value 19 , 000 00 

Cash on deposit in banks or trust companies 93 , 748 35 

Cash on hand 17,274 55 

Total of collectible interest 19,617 14 



$1,240,512 04 



LIABILITIES 

Amount due depositors, viz.: 

Principal $1,110,828 06 

Dividends credited or to be credited for tihe six 
months ending with December 31, 1918 20, 180 66 



$1,131,008 62 
Surplus on market value 109 , 503 42 

$1,240,512 04 



Surplus on par value, $132,781.42. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $92,415 21 

From depositors, not including <fividends credited 283 , 458 09 

From interest on loans, deposits and investments 54,628 15 

From mortgages 34 , 154 00 

From redemption of stocks and bonds 89,800 00 

From all other sources, viz. : Land contract 1 ,350 00 



$555,806 35 



PAYMENTS 

To depositors, inchiding dividends paid to them $285,590 04 

For loans on bonds and mortgages 2, 100 00 



Orange County 245 

For stocks and bonds purchased, including premiums, oommis- 

aauB, etc. (total par value, $151,834) $150,834 00 

For interest (other than dividend payments to depositors) .. 2 47 

For current expenses of the bank, viz. : 

Forialariefl $4,147 16 

For taxes : Banking house, 1266.06 ; surplus, $894.44 ; 

OB mortgages, $10^ 1.161 00 

F»r expenses, except taxes, of banking house : 

Repairs 15 96 

Insurance S6 44 

Other 89S99 

FV>r other expenses, not including expenses of other 
real estate nor other expenses of banking bouse. . 48S 12 

6,25(» 94 

(^h on hand and in banks or trust companies December 31, 
1918, after transactions of the day Ill ,022 90 

$555,806 35 

STATISTICAL INFORMATION 

Xofflbcr of open accounts January 1, 1919 3,337 

Number of accounts opened or reopened during the year 380 

Kumber of accounts closed during the year 411 

Amount deposited during the year, not including dividends 

credited for that period $283,458 99 

Amount withdrawn during the year 285,590 04 

Amount of dividends credited and paid for the year, vis.: 

Jttljl, 1918 $19.887 01 

Jannanr 1. 1919 20.180 66 

40,0ft7 57 

Average amount of each account January 1, 1919 338 93 

Rate per cent, of dividends to depositors during the six months 

ending June 30 1918 3 and 4 

Rate per cent, of dividends to depositors during the six montna 

ending December 31, 1918 3 and 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $53,700 36 

Total expenses of the bank for the year 1918 6,256 94 

Dividends paid to depositors for the year 1918 40,067 57 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 7,375 85 



246 Repoet on Savings Banks 

105. THE WARWICK SAYIHOS BANK, WABWICK 

[Main street; Incorporated UTS] 

JOHN SAYBR. Prcaklent WILBUR C. LAZBAR. Vice-Prertdent 

THOMAS WBLLING. Tlce-Prealdent JOSEPH B. V. MILLER, Treasnrer. 

TRUSTEBS 

JOHN SATBR, BBNJ. F. VAIL. CLIFFORD S. BBATTIB. 

JOS. E. V. MILE.br, HBNBT PELTON, JOHN B. BRADNBR. 

THOMAS WELUNO, JOHN W. 8ANF0RD. FRED C. CARY. 

WILBUR C. IJ^ZBAR, JOEL H. CRISSBY. W. B. VAN DBRVORT, 

MORRIS RUTHBRF\JRD. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $553,660 00 

Stock and bond inveatmentfli viz.: 

Par Orlcinal Estimated 

8took9 and bonds valne cost market valae 

United States $170.084 40 fl67,6tt 40 1170.084 40 

atles In other States 7,000 00 7,»7 60 6.880 00 

aues In this State 97.000 00 US. 906 99 98.146 00 

Counties in thU State 20.00000 83.60000 19.600 00 

Towns in this State 34,000 00 86,819 00 83.780 00 

Villages in this State 168,260 00 162.826 62 168.964 87 

School districts in this SUte 62.600 00 63.496 18 88.726 00 

1688.884 40 |66S.871 68 1641.106 77 



641,108 77 

Cash on deposit in bairics or trust companies 179,364 13 

Cash on hand 352 83 

Total of collectible interest 13,346 02 

Amount of all other assets, viz. : Land contract 5,000 00 



$1,292,831 75 



LIABILITIES 
Amount due depositors, viz.: 

Principal $1,206.600 82 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 82,077 IB 



$1,228,577 48 
Surplus on market value 64,254 27 

$1,292,831 75 



Surplus on par value, $61,979.90. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $254,644 42 

From depositors, not including dividends credited 214,554 66 

From interest on loans, deposits and investments 58,624 93 

From mortgages 64,025 00 

Fr(»n redemption of stocks and bonds 134,700 00 

From stocks and bond« sold (total par value, $80,000) 77,526 00 

From real estate sold 16,897 31 

From all other sources, viz.: Sale of bonds — profit 820 60 



$821,792 90 



PAYMENTS 

To depositors, including dividends paid to them $318,120 06 

For loons on bonds and mortgages 40,250 00 



Obakge County 247 

• 

For stocks and bonds purchased, including premiumsi commis- 

siottB, etc. (total par vahie, $280,aS4.4U) $275,092 40 

For interest (other than dividend payments to depositors) . . 1,126 66 

For current expenses of the bank, vis.: 

For salaries 16.220 00 

For taxes: Surplus ' 688 77 

For rent of banEinf rooms 300 00 

For expenses of other real estate, vis. : 

Insmrnnce 280 47 

Taxes 12122 

Other 184 06 

For other expenses, not including expenses of other 
resi estate nor other expenses of haaklatf house. . 628 81 

7,486 82 

Giih on hand snd in banks or trust companies December 31, 
1918, after transactions of the day 179,716 96 



^821,792 90 

STATISTIOAL INFORMATION 

Number of open accounts January 1, 1919 3,428 

Number of accounts opened or reopened during the year 266 

Number of accounts closed dUring the year 352 

Amount deposited during the year, not including dividends 

credited for that period 214,654 65 

Amount withdrawn during the year 318, 120 06 

Amount of dividends credited and paid for the year, vi£.: 

July 1, 1S18 $22,767 42 

Jaanaiy 1, 121» 22,on 1€ 

44,834 58 

Average amount of each account January 1, 1919 358 36 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising fronv society accounts, or 
judiciai sales, or trust funds, or by order of a court of record 

or of a surr<^ate 1 

Total amount of such accounts $3, 148 15 

Sate per cent, of dividends to depositors during the six months 

ending Jime 30, 1918 3 and 4 

Bate per cent, of dividends to depositors during the six months 

endhig December 31, 1918 3 and 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $55,810 35 

Total expenses of the bank for the year 1918 '. . . 7,486 82 

Dividends paid to depositors for the year 1918 44,834 58 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 8,488 95 



OSWEGO COUNTY 



106. FULTON SAVINGS BANK, FULTON 

[75 South First street; incorporated 1871] 

WM. J. LOVBJOY, President. HaKUY L. STOUT, Treasurer. 

GBO. G. CHAUNCEY, Vice-President. GEORGB B. TRUB, Secretary. 

WATSON A. BUTTS. Vice-President. 

TRUSTEES 

GILES S. PIPER. BERT W. BENNETT, HERBERT J. WILSON. 

WILLIAM J. LOVEJOY. HARRY L. STOUT. GEORGB G. CHAUNCBX. 

GEORGB P. WELLS, WATSON A. BUTTS, ALBERT L MORTON, 

H. PUTNAM ALLEN, KLMER E. MOHUILL, FRANK W. LASHER. 

CAMERON C. BENEDICT, GKORGE E. TRUB, JOHN R. SULLIVAN, 

EDWIN F. PALMER, WILLIS P. MORIN. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $1 ,718, 112 56 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States |16«,500 00 |163,891 83 1156.600 00 

State of New York 26,000 00 26.062 60 26,600 00 

atles In this State 218, 500 00 224. 124 16 214. aSO 00 

Counties In this State lO.OOO 00 10,323 00 10,000 00 

Towns In this State 17,00000 17,(^7 60 17,390 00 

Villages In this State 186, 300 00 190. 272 73 188, 270 00 

School districts In this State 26.300 00 27.066 40 26,989 00 

Railroad mortgage bonds.... 271.000 00 2^,676 66 260,930 00 

$910,600 00 $936,372 77 $900,669 00 



900,569 00 

Promissory notes 4,300 00 

Banking house and lot, book value, $28,062.50; cost, $30,647.00; 

actual cash value 28,062 50 

Cash on deposit in banks or trust companies 301 ,351 63 

Cash on hand 31 ,922 28 

Total of collectible interest 47,520 27 

Amount of all other assets, viz. : Land contracts 850 00 



$3,032,678 23 



LIABILITIES 

Amount due depositors, viz.: 

Principal $2,774,260 30 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 62,770 59 



$2,827,030 89 

Other liabilities, viz. : Deposits as security for abstracts CO 00 

Surplus on market value 205,587 34 

$3,032,678 23 



Surplus on par value, $215,628.34. 

CASH TRANSACTIONS DUCKING THE YEAR 1918 

RBCBIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $293,215 74 

From depositors, not including dividends credited 1,213,978 IG 

From interest on loans, deposits and investments 139,675 97 

From rents from banking house 400 00 

From mortgages 95,683 22 

From redemption of stocks and bonds 24,300 GO 

[24S] 



Oswego County 249 

From stocks and bonds sold (total par value, $418,138.51).. $418,738 51 

From loans paid 4,710 00 

From all other sources, viz. : 

Exdiange; deposits securlns abstracts loaned $386 58 

Small steel banks sold, cash corrections 18 01 

Ltnd contracts 800 00 

Liberty Bonds, Thrift Stamps 135 68 

Insarance, taxes and expenses advanced, repaid 362 35 

1,201 62 



$2,191,903 22 



PAYMENTS 

To depositors including dividends paid to them $1 ,215,678 67 

For loans on bonds and mortgages 126 , 659 73 

For loans on stocks and bonds and other securities 9,010 00 

For stodcs and bonds purchased, including premiums, commis- 

8i<m8, etc. (total par value, $490,191.80) 487,579 63 

For interest (other than dividend payments to depositors) . . 1,732 33 

For current expenses of the bank, viz.: 

For salaries I»,227 81 

For taxes: Banking? house, ^16.37; surplus, |1,825.87 2,542 24 

FV)r expenses, except taxes, of banking nouse : 

Repalra 465 96 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house. . 4, 200 68 

16,436 69 

Other payments, viz. : 

C9sh corrections $78 55 

Oepositf Becuring abstracts loaned, returned 382 00 

Moner advanced. Liberty Loan campaign 100 00 

Thrift Stamps, War Savings Stamps 97171 

1,532 26 

Cash on hand and in banks or trust companies December 31, \ 

1918, after transactions of the day 333,273 91 

$2,191,903 22 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 7,828 

Xmnber of accounts opened or reopened during the year 3 , 409 

Number of accounts closed during the year 2 , 825 

Amoant deposited during the year, not including dividends 

credited for that period $1 ,213,978 16 

Aractrnt mthdrawn during the year 1 ,215,678 67 

Ainomit of dividends credited and paid for the year, viz.: 

Jaly 1, 1918 151,260 53 

Janmrr 1. 1919 52,309 81 

Cndited at other periods 791 45 

104,351 79 

Average amount of each account January 1, 1919 361 00 

Number of accoimts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising fronr society accounts, or 
ju^cial sales, or trust funds, or by order of a court of record 

or of a surrogate 1 

Total amount of such accounts $3,058 77 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

^te per cent, of dividends to depositors during the six months 

eoding December 31, 1918 4 

Total eammgs of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $136,660 88 

Total expenses of the bank for the year 1918 17,636 69 

Kvidends paid to depositors for the year 1918 104,351 79 

Net eamii^ for the year 1918 over expenses and dividends 
paid to depositors 14,672 40 



250 Report on Savings Banks 

107. 0SW£60 CITY SAVINGS BANK, OSWBGO 

[a4 West Flnt ctreet; Incorporated IStt) 

BI4LIOTT B. MOT^ President. CHABLBS S. WUIGHT. SecrcUry. 

THOMAS F. GLBASON. Vice-President. WM. P. BURB, Treasurer. 

JAMES B. FARWELL, Vice-President. 

TBUSTEES 

NBIL GRAY, Jr.. JAMBS K. STOCKWBLL, ARTHUR C. HALL- 
BENJAMIN DENTON, M. PROU8E NEAL. JOHN D. HIGGIN8. 
JAMES B. FARWELU THOMAS F. GLRASON. FRANK E. SATER, 
FRANK P. FARRRLU ELIRHA B. POWELL. THOMPSON KIXCSFORD. 
CHARLES H. BOND, ELLIOTT B. MOTT, DAVID D. LONG 

FINANCIAL 
RESOURCES 

Bonds and mort^^ages $2,246,566 00 

Stock and bond investmenta, yiz.: 

Par Orlidnal Estimated 

Htoeks and bonds valae cost market value 

United States 1480,877 06 $480.817 06 $480.877 06 

State of New York 7,000 00 7,408 1» 7,700 00 

SUte of California 10,000 00 9.728 00 9,700 00 

State of Louisiana..... Us 000 00 15,448 50 15,45000 

State of Oklahoma 10,000 00 10,200 00 9,900 00 

Cities In other States.. 93,000 00 97.332 92 94,380 00 

atles in this State 300,888 90 388.623 81 364.698 40 

Towns In this State 89,566 68 90,929 47 89.843 29 

Villages In this State 358,060 00 369,570 97 368,012 74 

School districts In this State 123,600 00 127.762 53 125.461 95 

Railroad mortgage bonds. ... 266, 000 00 279. 513 65 216, 130 00 

$1, 813, 988 58 $1, 877, 481 66 $1, 778, 183 44 



1,772,133 44 

Promissory notes 834 00 

Banking house and lot, book value, $35,000; cost, $70,593.06; 

actual eaah value 35,000 00 

Cash on deposit in banks or trust companies 240,352 13 

Cash on hand 71 ,449 55 

Total of collectible interest 65,863 12 

Amount of all other assets, viz.: U. 6. Thrift stamps 202 25 

$4,440,400 49 

LIABILITIES 

Amouiit due depositors, viz.: 

Principal $8,992,527 67 

Dividends credited or to be credited for Ifte six 

months ending with DecemL^r 31. 1018 75,045 80 

$4,067,573 47 

Other liabilities, viz.: Liberty Bond d^Kwits 70,825 50 

Surplus on market value 802,001 62 

$4,440,400 49 



Surplus on par value, $343,850.66. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $302,085 98 

From depositors, not including dividends credited 1,120,582 3S 

From interest on loans, deposits and investments 202,649 42 

From rents from banking house 1 ,607 89 

Prom mortgages 214,975 00 

From redemption of stocks and bonds 326,860 37 

From stocks and bonds sold (total par value, $271,694.84).. 265,594 84 



Oswego County 261 

Fran bankers' aooeptances and bills of exchange $1, 595 00 

Fnan real estate sold 5,250 00 

Fran all other sources, via.: 

Bxehaage 178 82 

Di^wltB, partial paymento on Liberty Bonds a6l,<K BQ 

War SaiPings Certificates 97186 

255,700 08 

$2>6da,901 86 

PATMBNTS 

To depositors, including dividends paid to them $1,155,003 01 

For loans on bonds and mortgages 80,080 00 

For loans on stocks and bonds and other seeorities 849 00 

For stocks and bonds purchased, including premiums, conunis* 

Bions, etc (total par value, $892,966.90) 892,966 90 

For current expenses of the bank, via. : 

J>r ttlarles |10,90ft8S 

Por taxes : Banking liosse, $979.18 ; sarplus, $8i 570416 ; 

on mortgages, 87.00 3,668 86 

rvr expenses, except taxes, of banking house : 

Repairs 370 18 

Insarance 422 8T 

Other 628 76 

^r expenses of otlier real estate, vis. : 

Insarance 9 66 

Taxes 164 OO 

Fbr other expenses, not includdng expenses of other 
real estate nor other expenses of banking house.. 2,050 87 

17,498 86 

Otker payments, viz. : 

Paid on deposits against Liberty Bonds $2318.528 66 

Wtr SsTings Stamps 2.173 91 

220,702 41 

Ca6h on hand and in banks or trust companies December 31, 

1918, after transactions of the day 320,801 68 

$2,696,901 86 

STATISTICAL INFORMATION 

dumber of open accounts January 1, 1919 8, 187 

Xmnber of accounts opened or reopened during the year. . . . 1,127 

Nmnfaer of accounts closed during the year 1 ,065 

Amainit deposited during the year, not including dividends 

credited for that period $1 , 120,582 38 

AmoDnt withdrawn durinp^ the year 1 , 155,003 01 

Amoont of dividends credited and paid for the year, vis.: 

Jnly 1, 1918 $76,368 79 

January 1. 1919 76,046 80 

Credited at other periods 1,130 26 

151,529 84 

Avenge amount of each account January 1, 1919 487 65 

Bate per cent, of dividends to depositors during the six months 

e&dmg June 30, 1918 4 

Bete per cent, of dividends to depositors during the six months 

CDdmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

■aiortization of premiums and (tiscounts $197 ,480 56 

Total expenses of the banlc for the year 1918 17,498 86 

Dividends paid to de}K>sitors for the year 1918 151,529 84 

Ket earnings for the year 1918 over expenses and dividends 

paid to daposiiors 28,451 86 



252 Report on Savings Banks 

108. OSWEGO COXTNTY SAVINGS BANK, OSWEGO 

[44 Bast Bridge street ; incorporated 1870] 

W. B. COUCH. President. HUBERT J. PBBBLB8. Vice-President 

CHA8 A. TANNER, Vice-President. JAMES DUNLAP. Treasurer. 

TRUSTEES 

W. B. COUCH, J. FRANK MARSDEN. CHARIiES A. TANNER. 

PETER HILBBRT, THOMAS H. BENNETT, FRED A. GAGE. 

NORMAN U BATES. FRED'K B. SHEPHERD, A. RABORG HUNT, 

UDEI/LE BARTLETT, O. 8. OSTERHOUT, ALANSON 8. PAGE. 

M. T. CRIMMINS, HUBERT J. PEEBLES. JAMES G. MBRRIMAN, 

FINANCIAL 
RESOURCES 

Bonds and mortgages $2,375,310 16 

Stock and bond inyestments, yiz. : 

Par Original Estimated 

Stoek9 and honda yalne cost market value 

United States I487.1S000 $482.429 90 $497,15000 

Cities in other States 164, 000 00 172, 255 66 166, 740 00 

Counties, villages and towns 

in adjoining States 206,979 86 206,96636 2012.704 86 

Cities in this State 14,579 75 16,847 84 15.679 76 

Counties in this State 68. 419 98 69, 274 36 69, 028 98 

Towns in this State 122.100 00 126,623 15 122,492 00 

Villages in this State 96, 500 00 98, 596 52 96, 925 00 

School districto in this State 449.000 00 622,829 60 422,260 00 

$1, 614, 729 69 $1, 706. 722 29 $1, 591, 970 69 



1,591,970 59 

Promissory notes 10,247 00 

Banking house and lot, book value, $50,083.49; cost, $59,- 

083.49; actual cash value 50,083 40 

Other real estate, book value, $2,756.03 ; cost, $3,625.97 ; actual 

ca«h value 2,756 03 

Cash on deposit in banks or trust companies 237,331 91 

Cash on hand 39, 125 23 

Total of collectible interest 59,216 54 

Amount of all other assets, viz. : 

Land contracta $540 00 

Insurance premiums and taxes advanced 137 39 



677 39 



$4,366,717 34 



LIABILITIES 

Amount due depositors, viz.: 

Prtndpal $3,886,743 91 

Dividends credited or to be credited for the six 
months ending witb December 31, 1918 76.003 06 



$3,971,746 99 

Other liabilities, viz.: Liberty Bond deposits 29,335 90 

Surplus on nwrket value 365 ,634 45 



$4,366,717 34 



Surplus on par value, $388,393.45. 

CASH TRANSACTIONS DUiRING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $348,242 28 

From depositors, not including dividends credited 864,634 06 

From interest on loans, deposits and investments 202, 139 44 

From rents from banking house 1 ,024 35 

From rents from other real estate 85 OO 

Frwn mortgages 102,619 70 



OswBOO County 263 

From redemption of stocks aaid bonds $l(^, 8di 02 

From stocks and bonds sold (total par vahie, $171,400) 168,402 50 

From loans paid 62,141 60 

From all other sources, viz. : 

War SavingB Stamps, Liberty Loan Bonds |29, 985 90 

Appraisal leea, taxes and insurance on mortgaged 
propertx 1.19193 

Old material add 129 4Z 

Tellers' cash difference account 59 06 

31,316 31 

91,946,629 18 

PATHBNTS 

To d^wsitors, including dividends paid to them $967,061 87 

For loans on bonds and mortgages, jt 43, 666 00 

For loans on stocks and bonds and other securities 50,935 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $568,880.18) 664,160 08 

For interest (other than dividend, payments to depositors) . . 1,619 96 

For current expenses of the bank, vix. : 

For salaries 19,098 00 

For taxes : Banking bonse, $761.20 ; surplus, $2,650.88 ; 

on mortgages, $29.50 3,84106 

iy>r expenses, except taxes, of banking bouse : 

Repairs 288 12 

Insurance 694 62 

FV>r expenses of otber real estate, via. : 

Repairs 123 13 

Other 2,894 09 

16,437 04 

For real estate acquired by foreclosure, or in settlement of 

debte due the bank '. 3,625 97 

Other payments, viz.: 

Alterations to bank building, furniture, tellers* cash 

acooont $80,906 88 

Insurance and taxes on mortgaged property 1, 270 24 

U. S. War Saving Stamps 600 00 

32,677 12 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 276,467 14 

$1,946,629 18 

STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 6,362 

Number of accounts opened or reopened during the year 906 

Number of accounts closed during the year 916 

Amount deposited during the year, not including dividends 

credited for that period $864,634 08 

Amount withdrawn during the year 966,490 73 

Anwuiit of dividends credited and paid for the year, vis.: 

July h 1218 $74,988 42 

January 1« 1919 75.003 06 

Paid but not credited 1,099 21 

161,040 71 

Average amount of each account January 1, 1919 624 29 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $197,664 12 

Total expenses of the bank for the year 1918 17,886 87 

Dividends paid to depositors for the year 1918 161 ,040 71 

Net earnings for the year 1918 over expenses and dividends 

paid to depoaitora 28,737 64 



PUTNAM COUNTY 



109. PUTNAM COUNTY SAVINGS BANK, BRXWSTBR 

[Main street; Incorporated 1871] 



ALEXANDER F. LOBDELL, President. 
S. PIERRE FIELD, Vice-President. 



DAVID P. VAIL» Vice-President. 
QEORQB H. REYNOLDS, Treuiirer. 



MYRON P. HOWES, 
FREDERIC 8. BARNUM, 
DAVID P. VAILu 
L. STARR BARNUM, 
ALEX. F. LOBDELL, 

WILLIAM E. SMirra, 



TRUSTEES 

EMERSON W. ADDIS. 
8. PIERRE FIELD, 
H. FRANK PADDOCK, 
OSCAR BAII^Y. 
GEO. H. REYNOLDS, 
DANIEL M. BARNS8, 

FINANCIAL 



FRED. A. PURDY. 
BENJAMIN O. NICHOLS, 
JOHN R. YALB. 
OBOROB B. JBNiNING. 
FRANK S. RETMOLdI 



RES0URCB6 

Bonds and mortgages 

Stock and bond investments, viz.: 

Par 
Btooks and (MMto value 

United States $104.9M 00 



$782«8S6 00 



Cities in otber States 7, 000 00 

Cities in this State 198.M7 17 

Counties In this State 14. 000 00 

Towns in this State 16,950 00 

Villages in this State 206,603 19 

School districts in this State 66.800 00 

Railroad mortgage bonds 50,000 00 



Original 
cost 

$104,960 00 
7,l»a9 

210.870 22 
14,066 6g 
17.960 42 
216,666 64 
69,277 19 
49,660 00 



BstlBUitsd 

market valus 

$104,960 00 

6,600 00 

198,267 62 

U, 949 86 

17,492 70 

212,149 64 

67,071 80 

41.850 60 



$666,790 26 $688,848 86 $862,681 06 



Promissory notes 

Bankinff house «nd lot, book value, $20,000; cost, $20,230.22; 

actual cash value . . T 

Other real estate, book value, $7,201.96; cost, $7,201.36; actual 

cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz. : Rent accrued 



662*631 06 
ll,OeO 00 

20,000 00 

7,201 86 

101,780 78 

7,224 68 

21,875 08 

347 50 



$1,594,886 35 



UABIIilTIES 

Amount due depositors, viz.: 

Principal $1,478,816 <I9 

Dividends credited or to be credited for the six 
months ending with December 81, 1918 27,849 87 



Surplus on market value 



$1,606,065 96 
86,819 39 

$1,594,885 36 



Surplus on par value, $92,078.70. 

CASH TRANSACTIONS DURINO THE YEAR 1918 

RECEIPTS 

Cash on hand and in bonks or trust companies January 1, 

1918, before transactions of the day 

Prom depositors, not including dividends credited 

From interest on loans, deposits land investments 

[254] 



$90,798 73 

290,727 78 

70,444% 



Putnam County 255 

From rents from banking house $470 00 

From rents from other real estate 439 82 

From mortgages 55 , 125 00 

From redemption of stocks and bonds 16,615 00 

Fnmi real estate sold 4,066 00 

$528,692 15 

PATHBNXiB 

To depositors, including dividends paid to them $285,552 47 

For loans on bonds and mortgages 6, 000 00 

For loans on stodcs and bonds and other securities 11,000 00 

For stocks and bonds prurchased, including premiums, oommis- 

Biom, etc. (total par vahie, $109,300) 100,726 90 

For interest (other than dividend na^ments to depositors) . . 195 67 

For current expenses of the baidc, Ttt.t 

Fbr salartes 14,200 00 

For taxes : Banking bouse, $325.00 ; sarplas, 1744.68 ; 1,661 6S 

For ezpenaes. except taxes, of banking hoase: 

Bmlrs 100 46 

Other was 

For expenses of other real eatate, yIb.: 

Bepalrs 70 61 

Insurance US 01 

Taxes 461 U 

Other 686 tf 

7,«12 75 

Cmah on hand and in banks or trust companies December 31, 
1918, after transactions of the day 109,005 36 

$528,692 15 



MMl^ 



STATISTTOAL INFORMATION 

Number of open accounts January 1, 1919 3,208 

Vutaher of accounts opened or reopened during the year .... 583 

KmDber of accounts closed during the ^ear 4D9 

AiBoont deposited during the year, not including dividends 

credited for that period $290,727 78 

AflKRUit -withdrawn during the vear 285,552 47 

AmcMint of diyidends credited and paid for the year, vis.: 

Jaly 1,1618 $27,442 80 

Jsanafy 1, 1919 27.849 87 

55,292 17 

ATerage amount of each account January 1, 1919 460 79 

Bate per cent, of dividends to depositors during the six montha 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending Dsconber 31, 1918 4 

Total earnings of the bank for the year 1918, after allowiog for 

smortiEation of premiums and discounts $72,620 85 

Total expenses of the bank for the year 1918 7,212 75 

IMvideods paid to depositors for the year 1918 55,292 17 

Net earnings for the year 1918 over expenses and dividends 

paid to d^KMitors 10,115 93 



QUEENS COUNTY 



110. COLLEGE POINT SAVINGS BANK, COLLEGE POINT 

[313 Thirteenth street ; Incorporated 1872] 

WM. W. WBITUNO, President GBOROB W. GILLETTE. Secretaiy. 

ALFRED H. 8CULESINGKR, Vlce-Prei B. A. PLITT» Asst BecreUry. 

EDWIN P. ROB. Vice-President 



FERDINAND MARTENS, 
WM. W. WEITLINO. 
A. H. 8CHLBSINGEE, 
GEORGE W. GILLETTE, 



TRUSTEES 
FRANK HUNOLD. 
EDWIN P. ROE, 
WILLIAM F. BUHL, 
H. C. POPPBNHUSEN, 

FINANCIAL 



HENRY BOHNE. 
GEORGE DtJER. 
WILLIAM SCHMIDT, 
G. A. S. WIENERS. 



RESOURCES 

Bonds and mortgages 

Stock and bond investments, viz.: 

Par 
Stocks and Jxmds value 

United States 1106.000 00 

State of California 10,000 00 

Cltiea In other States 128,360 00 

Cities in this State 172.000 00 

Counties in this State 41,000 00 

Villages in this State 36, 331 24 

School districts in this State 56,900 00 
Railroad mortgaire bonds.... 



$1,012,255 00 



391,000 00 



Original 

cost 

1106.000 00 

9,400 00 

135,211 06 

176.660 62 

42,316 69 

37,160 27 

60.044 26 

403.611 06 



Estimated 

market value 

$106.000 00 

9,400 00 

126.169 60 

165.140 00 

42.710 00 

36.208 24 

57.998 00 

831.060 00 



$941. 681 24 1969. 282 97 |873. 735 74 



Banking house and lot, book value, $27,288.07; cost, $27,288.97; 

actusd oash value 

Other real estate, book value, $43,986.97; cost, $43,986.97; 

aictual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amoimt of all other assets, viz.: Liberty Bond subscriptions 

and accrued interest on same 



873,736 74 

27,288 97 

43,986 97 

154,645 75 

13,193 30 

31,100 01 

47,683 06 



$2,203,888 SO 



LIABILITIES 

ximount due depoeitors, viz.: 

Principal $2,083,718 85 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 37,180 08 



Surplus on market value, 



$2,070,898 93 
132,989 87 

$2,203,888 80 



Surplus on par value, $200,835.37. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactiohs of the day 

From depositors, not including dividends credited 

From interest on loans, deposits and investments 

From rents from other real estate 

Fromr mortgages 

From redemption of stocks and bonds 

From real estate sold 



$101,256 36 

601,159 54 

94,053 50 

3,917 50 

49,620 00 

16,200 00 

5,000 00 



[256] 



QuBBKB County 257 



From all other sources, viz. : 

Telephone, adTertlsing and 8al« of clock $11 58 

UortgBge satisfaction 17 60 

Liberty Loan Association, book subscribers 23, 817 59 

Excess, Lriberty Loan and War Savings Stamp 

interest »8 76 

Taxes 70 00 

Liberty Bonds for sabscrlbers 152,826 00 

Ftamitnre charge and flre insurance premiums re- 
turned 18 18 

Teller's Cash over 6 00 

Rdeases 10 00 



$176, 674 61 
$1,047,880 61 



PAYMENTS 

To depositors including dividends paid to them $458,282 24 

For loans on bonds and mortgages . « 104 , 475 00 

For stodcs and bonds purchased, including premiums, commis- 

sions, etc (total par value, $80,000) 80,000 00 

For interest (other than dividend payments to depositors) . . 6 17 

For current expenses of the bank, viz.: 

For salaries |7,S97 20 

For taxes: Banking house, $509.10; surplus, $1,173.82; 

on mortgages, |84.00 1,766 92 

FtDr expenses of other real estate, viz. : 

Repairs 1,723 26 

Insurance 156 06 

Tkxes 1,166 96 

Other 469 13 

For other expenses, not inclnddng expenses of other 
real estate nor ot&er expenses of banking house.. 1,890 84 

14,060 36 

Othor payments, viz.: 

Telephone, advertising, excess interest |6 85 

Mortgage satisfaction 17 50 

Tsxes 70 OO 

Llboty Loan Association (book subscribers) 23, 817 69 

Liber^ Bonds bought for subscribers 199,200 00 

Teller^s cash rhort and releases 86 00 

fixtures 70 76 

223,217 69 

Cash on hand and in banks or trust companies December 31, 

1918, alter transactions of the day 167,839 06 

$1,047,880 51 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 4,094 

N'nmber of accounts opened or reopened during the year 686 

Number of accounts closed during the year 872 

Amount deposited during the year, not including dividends 

credited for that period $601 , 159 54 

Amount withdrawn during the year 458,282 24 

Amoont of dividends credited and paid for the year^ viz. : 

July 1, 191S $86,26432 

January 1, 1019 37,18008 

72,444 40 

Avo^ge axnoiint of each account January 1, 1919 506 84 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per ceot. of dividends to depositors during the six months 

mding December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing for 

amortization of premiums and discounts $98,933 08 

ToUi expenses of the bank for the year 1918 16,973 24 

IHviden^ paid to depositors for the year 1918 72,444 40 

Net eaminps for the year 1918 over expenses and dividends 

paid to ^poeitors 9,515 44 

9 === 



268 Report on Savings Banks 

111. JAMAICA SAVINGS BANK, JAMAICA 

[840 Fulton street; Incorporated 1860] 

WILLIAM W. GILLBN, President M & RAPBLYB, Vlce-Pres and Sec. 

STEPHEN EYDBR, Vice-President. J. TTLER WATTS, Treasurer. 

Q. WARRESN SMITH. Afist. Secretary. 

TRUSTEES 

WILLIAM W. GILLBN, GEORGE K. MBTNEN. CHARLES B. TWOMBLT, 

STEPHEN RYDBR, WILLETT C. DURAND, A. JAMES VAN SICLEN, 

J. TYLER WATTS, WILLIAM L. WOOD, STARR BRINCKBRHOFP, 

MARTIN S. RAPELYE, ROBERT W. HIGBIE, CLIFFORD M. TAPPEN. 

LBIANDBR B. FABER, DDGAR DUBS SHIMER, CHARLES R. DOUGHTY. 

FINANCIAL 

RBSOURCBS 

Bonds and mortgages $3,621 ,376 00 

Stock and bond investments, viz.: 

Par Original Estimated 

BtockB and bond* value cost >n"j«ll*!fi® 

United SUtes 1675,39500 1675,38037 1676,380 37 

District of Columbia 10,000 00 10, 360 38 10, 100 00 

Cities in other States 781,000 00 ^ M2.608 96 Ttt.WO 00 

Cities in this State 1.106,284 10 l.lM.flW W ^'^tSSS 

Counties in this Stote 76, 000 00 'S:^^ ^5' ?£ 5£ 

Towns in this State 20. 000 00 J2'2£ SJ H'KJS 

Villages in this State 71.000 00 76.285 00 68,900 00 

SchoSi districts in this State 40, 600 00 41, 662 80 ,S' ?S JS 

Railroad mortgage bonds... . 190,000 00 181,106 25 168.160 00 

12.968,169 10 13.080.91167 I2.9U.9S2 28 



2,911,932 28 
Banking house and lot, book value, $60,000; cost, $71,899.81; 

actual cesh value 65,000 00 

Other real estate, book value, $146^791.99; cost, $161,178.08; „ , ^ ^ 

actual cash value IS'ift? 2? 

Cash on deposit in banks or trust companies 6^57, l»i ©7 

Cash on hand Si'Si? 5t 

Total of collectible interest 76,927 61 

Amount of all other assets, viz.: 

U. S. Thrift Stamps gj W 

Rent accrued • •• - *£ S 

Insurance premiums and taxes advanced ^99S w ^^ ^ 

$7,463,468 80 

UABILITIE8 

Amount due depositors, viz.: 

Principal 16,813.443 96 

Dividends credited or to be credited for the six ,„ __ .. 
months ending with December 31. 1918 m,uni ^ ^^ ^^ ^^ 

Surplus on maricet value 617,178 II 

$7,463,460 80 



Surplus on par value, $674,404.93. 

CASH TRANSACTIONS DURING THE YEAR 1918 

BBCEIPTB 
Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day . . . . ••.•••• o'^o It? Ti 

From depositors, not including dividends credited ^'^'tii ai 

From interest on loans, deposits and mveetments MXft XA 

From rents from banking house iroSi « 

From rents from other real estate io SS nn 

From mortgagee .- iS'nnft nn 

From redemption of stocks and bonds li>*,ouu uu 



QuEBNs County 259 

?TQDi stocks and bonds sold (total par value, $279,880) $279, 738 38 

Fwm real estate sold 7,080 00 

from all other sources, viz.: 

Insurance paid for mortgagors 111160 

flAle of old typewriter 10 00 

Bttlsfaction of dcAciency Jadgment 313 44 

Eetom prcminm on indemnity bond 2 75 

Refund on expense, inspection of property 483 75 

Tlirift Stamps 14100 

Interest, War Savings Stamps 4 68 

1,067 16 

$3,366,457 27 

PAYMBITFS 

To depositors, including dividends paid to them $1 ,777,490 90 

For losns on bonds and mortgages 114,750 00 

For stocks and bonds purchased, including premiums, comanis- 

sions, etc. (total par value, $804,476) 804,318 75 

For interest (other than dividend payments to depositors) ... 90 40 

For current expenses of the bank, viz.: 

FornOsries 114,174 65 

For taxes: Banking house, |1,618J{0: surplus, $4,616.29 6,138 60 
Fbr expenses, except taxes, of banking house : 

Repairs 736 46 

Insurance 248 68 

Other 4,297 74 

For expenses of other real estate, tIs. : 

Repairs 6,840 02 

Insurance 296 39 

Taxes 8,270 76 

Other 5,461 67 

For other expeiises. not Including expenses of other 
real estate nor other expenses of banking house.... 2,830 11 

43,798 97 

For real estato acquired by foreclosure, or in settlement of 

debts due the bank 5,046 34 

Other payments, viz. : 

lasoranoe and taxes 11,996 00 

Thrift Stamps 175 00 

2,170 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 618,791 91 

$3,366,457 27 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 13,976 

Nnnber of accounts opened or reopened during the year... . 3,305 

Number of accounts closed during the year 2, 191 

^^nioont deposited during the year, not including dividends 

credited for that period $2,029,477 11 

Amoant withdrawn during the year 1 ,777,490 90 

Amoont of dividends credited and paid for the year, viz. : 

Joiy 1, 1918 1118,916 92 

Jsauary 1, 1019 182,847 74 

241,764 66 

Average amount of each account January 1, 1919 496 30 

Rate per cent, of dividends to depositors during the. six months 

ending June 30, 1918 4 

Sate per cent, of ^vidends to depositors during the six months 

ending December 31, 1918 4 

Totsl earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $339,408 24 

Total expenses of the bank for the year 1918 43,315 22 

Dividends paid to depositors for the year 1918 241,764 66 

Net earnings for the year 1918 over expenses and dividends 

pakl to depositors 54,328 36 



260 



Repoet on Savings Banks 



112. LONG ISLAND CITY SAVINGS BANK, LONG ISLAND CITT 

[Bridge Placa; incorporated 1875] 



W. J. BURNETT, President. 
BENJAMIN MOOKE. Vice-President 
DAVID G. MORRISON, Vice-President. 



JARVIS S. HICKS, Treasurer. 
ARTHUR WOODBURY, Asst. Beej. 
C. L. PAETZOLD, Asst. Treasurer. 



WILLIAM J. BURNETT, 

D. S. JONES, 

A. T. PAYNE, 

J. HARVEY BMBDLBY, 



TRUSTEES 

H. F. JONES, 
D. G. MORRISON, 
W. H. SIEBRECHT, 
JOHN HARVEY, 
G. L. STUEBNER. 

FINANCIAL 
RESOURCES 



BENJAMIN MOORE, 

H. K. UNE8, 

JARVIS S. HICKS. 

C. CURTIS WOODRUFV. 



Bonds and mortgages 

Stock and bond investments, viz.: 

Par 

Stookg and honds value 

United States $1,030,000 00 

State of New York 45.000 00 

State of Louisiana 40.000 00 

State of Massachusetts 26,000 00 

State of Oklahoma 25.00000 

Cities in other States 721, 500 00 

Counties, villages and towns 

in adjoining States 59,000 00 

Cities in this State 1,208.987 50 

Counties in this State 436. 000 00 

Towns in this State 113, 500 00 

Villages in this State 6S6, 229 32 

School districts in this State 221,700 00 

Railroad mortgage bonds.... 525.000 00 



$6,327,157 18 



Original 

cost 

$1,030,000 00 

45,761 13 

42.479 12 

21.430 60 

25.387 60 

751,298 89 

60.082 60 
1,232.762 89 
453,696 83 
116.123 60 
650.910 07 
227,066 24 
539,670 46 



Estimated 

market value 

$1,090,000 00 

46.450 00 

41,320 00 

22.180 00 

24,760 00 

781,628 00 

61,960 00 
1,200,199 60 
442,912 00 
116.606 00 
644.206 17 
225,322 50 
460,200 00 



$5, 086. 916 82 $5. 196, 626 73 $6, 086. 667 17 



Other real estate, book value, $33,226.61; cost, $33,226.61; 
actual cash value 

Gash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz.: 

U. S. certificate of indebtedness $100,000 00 

Insurance premium advanced 9 60 



5,036,567 17 

33,226 61 

718,466 92 

6,966 72 

113,142 02 



100,009 60 
$12,335,536 22 

UABILITIES 
Amount due depositors, viz.: 

Principal $10,879,680 01 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 193.048 68 

$11,072,579 63 

Other liabilities, viz.: Liberty Bond deposits 142,792 61 

Surplus on market value 1, 120, 164 08 

$12,335~536~22 
Surplus on par value, $1,170,513.73. 

CASH TRANSACTIONS DUiRING THE YEAR 1918 

BECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $950,557 25 

From depositors, not including dividends credited 3,904,386 31 

From interest on loans, deposits and investments 566 , 879 52 

From rents from other real estate 3,446 00 

From mortgages 276,059 00 

From redemption of stocks and bonds 193,277 60 

From stocks and bonds sold (total par vahie, $612,950) 612,950 00 

From bankers' acceptances and bills of exchange 359,688 06 



QuBBNs County 261 

From real estate sold $41, 160 00 

From all other sources, viz.: 

Liberty Loan subscribers $467,045 82 

U.S. certificates 850,000 00 

Inrarance rebate 34 64 

Beal estate contract 600 00 

1,207,580 36 

$8,115,974 00 

PAYMENTS 

To depositors, including dividends paid to them $3, 182,674 48 

For loans on bonds and mortgiages 628,640 60 

For bankers' acceptances and bills of exchange 359,688 06 

For stocks and bonds purchased, including premiums, commis- 
sion, etc (total par value, $1,900,000) 1,909,490 77 

For interest (other than dividend payments to depositors) . . . 6,054 02 

Tot current expenses of the bank, viz. : 

For salaries $32,360 79 

For taxes: Sorplas, $9,938.38; on mortgages, $1,943^. 11,881 88 

For rent of banking rooms 5, 499 96 

For expenses of other real estate, viz. : 

Reimlrs 1,489 61 

Insurance 808 33 

Taxes 1,184 08 

Other 1,669 66 

For other expenses, not loclnding expenses of other 
resl estate nor oth^ expenses of banking house.. 6,717 69 

61,046 80 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 18, 173 21 

Other payments, viz.: 

liberty Lioan subscriptions $374,612 22 

U. 8. certificates 860,000 00 

ll«il estate contract 250 00 

Intarance premium 9 60 

1,224,771 82 

Cnsh on hand and in banks or trust companies December 31, 

1918, after transactions of the day 725,433 64 

$8^,115^97400 

STATISTICAL INFORMATION "^ 

Number of open accounts January 1, 1919 24,813 

?Jamber of accounts opened or reopened during the year 4,841 

Kumber of accounts closed during the year 5, 146 

Amount deposited during the year, not including dividends 

credited for that period $3,904,386 31 

Amount withdrawn during the year 3 , 182 , 674 48 

Amount of dividends credited and paid for the year, viz. ; 

July 1. 1918 $186,042 28 

January 1, 1919 198,049 62 

379,091 90 

Average amount of each account January 1, 1919 446 24 

bomber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 

ledgers, except deposits arising from society accounts, or 

jadicial sales, or trust funds, or by order of a court of 

record or of a surrogate 4 

Total amount of such accounts $12 , 150 69 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

^te per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $574,330 16 

Total expenses of the bank for the year 1918 61 ,046 80 

Kvidends paid to depositors for the year 1918 379,023 41 

5^e4 earnings for the year 1918 over expenses and dividends 

paid te depositors 133,668 95 



262 Report on Savings Banks 

118. THE QUEENS COUNTY SAVINQS BANK, FLUSHING 

[80 Main street; Incorporated 1869] 

WILLIAM T. JAMBS, President ABRAM C. HAGEMAN, Cashier. 

FRANK A. COLUNS. Vice-President. HENRY L. BOGERT. Treasurer. 

JOHN HEPBURN. Vice-President. 

TRUSTEES 

HBNRT L. BOOBRT. JOHN HEPBURN, DURWARD B. KENNEDT, 

LEWIS B. FRANKLIN. WILLIAM T. JAMBS, JAMBS A. MACDONALD, 

B. COVERT HULST. FRANK A. C OLLI NS. DAVID MASTBR, 

ABRAM C. HAGEMAN, GEORGE B. LEWIS, GEORGE O. HILDRBTH. 

EDGAR BOWNE. HARRISON S. MOORB, GILBERT W. ROBERTS. 

JAMES H. QUINLAN. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2,850,425 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btoeks and honda value cost market value 

United States 1176.000 00 $176,00000 n76.000 00 

Cities In other States 86.000 00 91,030 25 84.300 00 

Cities in this State 293,000 00 315,832 09 ' 278.106 00 

Towns in this SUte 82.600 00 86.56188 82,292 60 

Villages in this State 192.900 00 205.157 68 196,629 25 

School districts in this State 438.750 00 469.460 38 460,607 60 

Railroad mortgage bonds.... 500,000 00 536,492 75 4«7,930 00 
Land Bank of the State of 

New York 80,000 00 80,649 92 80,000 00 

11, 848. 160 00 $1, 961. 183 45 $1, 796, 764 26 



1,795,764 25 
Banking house and lot, book value, $56,000; cost, 63,765.88; 

actual cash value 56,000 00 

Other real estate, book value, $75,200; cost, $78,789.53; 

actual cash vahie 75,200 00 

Cash on deposit in banks or trust companiee 368,220 79 

Cash on hand 1,395 37 

Total of collectible interest 39,819 93 

Amount of all other assets, viz.: 

Interest accrued on real estate contract IS18 60 

Liberty Bonds held for customers and interest 

accrued 15,724 00 

U. S. certificates of indebtedness and interest 

accrued 100,234 25 



116,271 75 



$5,303,097 09 



UABILITIES 
Amount due depositors, viz.: 

Principal $4,819,117 82 

Dividends credited or to be credited for the six 
months ending with December 81, 1918 86,989 69 



$4,906,057 61 
Surplus on market value 397,039 58 

$5,303,097 00 



Surplus on par value, $449,425.33. 

CASH TRANSACTIONS DUiRING THE YEAR 1918 

BBCBIPT8 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $265,327 &1 

From depositors, not including dividends credited 1,473,203 62 

From interest on loans, deposits and investments ^8,103 98 



Queens County 268 

From rents from other real estate $891 97 

From mortgages * 113,250 00 

From redemption of stodcs and bonds 34,800 00 

From stocks and bonds sold (total par value, $401.43) 491 43 

From real estate sold 10,552 50 

From all other sources, via.; 

Real estate sold under contract $2,000 00 

merest on real estate sold 8,825 42 

IJrift Stamps 1.716 M 

Uberty Bonds 179,680 00 

U. Sw certiflcates 186,000 00 

322,172 40 

$2,468,792 81 

PAYMENTS 

To depositors, including dividends paid to them $1,312,825 83 

For loans on bonds and mortgages 200,500 00 

For stocks and bonds purchased, including premiums, commis- 

noiis, etc (total par value, $176,474.79) 176,474 79 

For interest (other than dividend payments to depositors) . . . 396 28 

For current expenses of the bank, viz. : 

^r aalaiies 112,068 26 

f>>r taxes : Banking house, 11,007.62 ; surplus, |3,464.96 4,562 48 

Fbr expenses, except taxes, of banking house : 

Bepalrs 110 16 

Inrarance 44 70 

^r expenses of other real estate, vis. : 

Bepalrs 798 48 

TSxes 477 16 

Other 648 70 

^ other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 2,670 84 

21,270 85 

Other payments, viz. : 

Tbrfft Stamps 81.708 90 

Ullertjr Bonds 142,000 00 

U. 8. certiflcates 286,000 00 

378,708 90 

Cash on Jiand and in banks or trust companies December 31, 

1918, after transactions of the day 369,616 16 

$2,468,792 81 

STATISTIOAL INFORMATION 

Kumber of open accounts January 1, 1919 10,500 

Number of accounts opened or reopened during the year 1,566 

Number of accounts closed during the year 1 ,872 

Amount deposited during the year, not including dividends 

credited for that period $1,473,203 62 

Amount withdrawn during the year 1 ,312,825 83 

Amount of dividends credited and paid for the year, viz. : 

July 1. 1918 184,63084 

January 1. 1919 86,939 69 

171,470 03 

Aversge amount of each account January 1, 1919 466 84 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Hate per cent, of dividends to depositors during the six months 

cndmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premdums and discounts $247,913 27 

Total expenses of the bank for the year 1918 21,270 85 

l>iTidends paid to depositors for the year 1918 171 ,470 03 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 66,172 39 



RENSSELAER COUNTY 



114. TROY SAVINGS BANK, TROY 

[32-38 Second street ; incorporated 1823] 

miIky:?l*^^\?^lS^^^' President. JAMBS H. CALDWBLL. Vice-President 

THOMAS VAIL, Vice-President J. B. ANTHONY, Treasurer. 

TRUSTEES 

5PJ^^o*£ ^ ^yS: FRANK B. NORTON, JOHN PAINB. 

WSSR^F-rK-rF^^ HBNRY S. LUDLO\<^. FRANK B. T WINING. 

TS2¥i^?, ^A?^ x-.- W- ^ THOMPSON. HBNRY WHBBLBR, 

JAMBS H.CALDWBm C. W. T. BARKBR, PAUL COOK, 

S^?7SI,*!?. McLBOD. ALBERT B. CLUBTT, HOBART W. THOMPSON. 

WILLIAM H. SHIBLD8> HERBERT S, IDE, WILLIAM B. FRBAR. 

DELMER RUNKLB, 

FINANCIAL 

RESOURCES 

Bonds and mortgages $3, 182,565 50 

Stock and bond investments, viz: 

Par Original Estimated 

Btooks and bonds value cost market value 

United States $977,460 00 $977,460 00 $977,460 00 

State of New York 204,000 00 214,970 00 215.400 00 

State of Tennessee 300,000 00 906,788 88 807.900 00 

Cities in other States 2,002,000 00 2,062,813 30 1,946,330 00 

Cities in this State 2,126,712 20 2.237.752 47 2,102,203 96 

Counties in this State 317,600 00 323.942 79 306,220 00 

Villages In this SUte 66, 000 00 66, 345 00 64. 680 00 

School districts in this State 38.000 00 38,000 00 36,480 00 

Railroad mortgage bonds. ... 2, 779, 000 00 2. 883. 645 82 2, 372, 600 00 

$8,809,662 20 $9,133,708 16 $8,328,263 96 



8,328,263 96 

Banking house and lot, book value, $120,000; cost, $481,675; 

actual oash value 120,000 00 

Cash on deposit in banks or trust companies 574 , 730 60 

Cash on hand 72,664 20 

Total of collectible interest 159,490 87 

Amount of all other assets, viz.: 

Rent accrued $698 76 

Taxes advanced 27192 



970 67 



$12,438,685 80 



LIABILITIES 

Amount due depositors, viz. : Principal $11 , 367, 856 44 

Other liabilities, dividends accrued on deposits to January 1, 

1919 110,268 21 

Surplus on nuirket value 960,561 15 

$12,438,685 80 



Surplus on par value, $1,441,959.39. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $393,901 91 

[264] 



Bensselaxs County 266 

From depoeitord. Hot including dividends credited $2, 120, 401 71 

From interest on loans, deposits and investments 525,912 77 

From rents from banking house 2,478 35 

Frrai mortgages 65,720 00 

From redemption of stocks and bonds 718, 160 55 

From stocks and bonds sold (total par value, $512,800) 497,111 25 

From real estate sold 5,012 00 

$4,328,698 54 

PAYMENTS 

To depositors, including dividends paid to them $2, 186,934 74 

For loans on bonds and mortgages 84,850 00 

For Bt4)ck9 and bonds purchas^, including premiums, commis- 
sions, etc. (total par value, $1,350,000) 1,349,785 79 

For interest (other than dividend payments to depositors) . . . 2,423 26 

For current expenses of the bank, viz. : 

For salaries 118.006 «7 

For taxes : Banking house, $9,465.89 ; surplus, |9,62a70 ; 

00 mortgages, $1M.50 19,283 00 

For expenses, except taxes, of banking house : 

Repairs 2,76985 

Insarance 750 06 

Other 2,176 86 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 8,647 04 

61,533 00 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 5,522 44 

Other payments, viz. : Taxes on mortgaged premises 254 42 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 647,394 80 

$4,328,698 54 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 18,635 

dumber of accounts opened or reopened during the year. ... 2,418 

Number of accounts closed during the year 2,474 

Amount deposited during the year, not including dividends 

credited for that period $2, 120,401 71 

Amount withdrawn during the year 2, 186,934 74 

Amount of dividends credited and paid for the year, viz. : 

AprU 8, 1918 $215.737 02 

October 8, 1918 217.288 04 

433,025 06 

Average amount of each account January 1, 1919 610 27 

Rate per cent, of dividends to depositors during the six months 

endmg April 3, 1918 4 

Rate per cent, of dividends to depositors during the six months 

«ding Oct. 3, 1918; 4 

Total earnings of the' bank for the year 1918, after allowing 

for amortization of premiums and discounts $521 ,191 96 

Total expenses of the bank for the year 1918 51 ,533 09 

l^ridends paid to depositors for the year 1918 442,905 82 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 26,753 05 



RICHMOND COUNTY 



116. RICHMOND COUNTY SAVINGS BANK, WBST NEW BRIGHTON 

[1(09 Richmond terrace; incorporated 1888] 
JOHN F. SMITH. President. F. W. TOMPKINS. Treasurer. 

▲ZBL F. MEBBBLL, Vice-President. GEORGE H. TBEDWELU BecreUrj. 

BENEDICT PARKER. Vice-President 

TRUSTEES 

JOHN F. SMITH, JOHN A. 8NTDBR. JOSEPH H^ MALOY. 

AZEL F. MERRBLL, GEO. H. TRBOWBLL, ALHBHT K. BUHU 

BENEDICT PARKER, WM. J. DAVIDSON, SAMUBL W. FANCHEB. 

GEORGE MATTHIUS, SAMUBL ECKSTEIN, MKUVIN L. DBCKEIt, 

FBANK W. TOMPKINS, CHAS. B. SIMONSON. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $1 , 143,505 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and hond» value cost market value 

United States $488,300 00 $488.80000 1488,800 00 

State of New York 36,000 00 86,862 60 86.860 00 

State of Louisiana 16.000 00 14,91300 16.160 00 

Cities in other States 80.000 00 31.987 00 29.360 00 

atles in this State 106,000 00 109,114 91 104,890 00 

Counties in this State 18,000 00 18,192 44 18,040 00 

Villages in this State 93,000 00 98.788 68 94.200 00 

School districts in this State 85.000 00 86.166 80 86.360 00 

Railroad mortgage bonds.... 246,000 00 242.319 60 216,260 00 

11.066,300 00 11,076,679 83 $1,086,880 00 



1,035,880 00 
Banking iLoiise and lot, book value, $8,000; coi»t, $8,000; actual 

cash value 8,000 00 

Other real estate, book value, $705; cost, $705; actual cash 

value 706 00 

Cash on deposit in banks or tru^ companies 228,486 43 

Cash on hand * . ." 60,395 73 

Total of collectible interest 16,950 08 

Amount of all other assets, viz. : 

Land contracts $11,736 68 

Interest accrued on bo^ds purchased . 784 62 

12,520 31 



$2,506,442 55 



LIABILITIES 

Amount due depositors, viz.: 

Principal $2,264,022 06 

Dividends credited or to be credited for ttie six 
months ending with December 31, 1918 39,184 84 



$2,293,206 00 
Other liabilities, viz. : 

Liberty Bond deposlta $86,136 60 

Held for unknown depositors 197 00 

85,332 50 

Surplus on mrarket value 127,903 1 5 

$2,506,442 55 

Surplus on par value, $158,323.15. 

CASH TRANSACTIONS DUiRING THE YEAR 1918 

BECEIPT8 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $247,688 15 

From depositors, not including dividends credited 1,104,971 25 

From interest on loans, deposits and investments 110,377 38 

From rents from banking house 443 00 

From mortgages 86,646 00 

[265] 



Richmond County 267 

From redemption of stocks and bonds $8, 720 00 

From stocks and bonds sold (total par value, $240,650) 240,050 00 

From real estate sold 7,691 16 

From til other sources, via.: 

I^ oantract |7,W5 57 

Ififtrtj Bond subscriptioDS 287,967 60 

Bebate on Insurance 46 76 

U. & certiflcates of IndeMedness 160,000 00 

445,978 82 

$2,253^,065^6 

PAYMENTS 

To depositors, including dividends paid to them $861,709 01 

For loans on bonds and mortgages 55,942 25 

For stocks snd bonds purchased, including premiums, commis- 
sions, etc. (total par value, $436,282.44) 436,282 44 

For interest (other than dividend payments to depositors) . . . 2,302 77 
For current expenses of the bank, viz. : 

For salaries |7,9fl7 00 

lot taxes: Surplus, $1,600.45; on mortgages, $239.50.. 1,748 06 

m expenses, except taxes, of banking house : 

Bepairs 136 39 

Insurance 40 00 

, Other 1046 

ror rent of bankins rooms 840 00 

I^>r expenses of other real estate, vis. : 

Inaunnce 6160 

Ikxes 626 91 

Other 2.647 02 

For other expenses, not Including expenses of other 

real estate nor other expenses of banking bouse. . 162 60 

14,138 72 

For real estate acquired by foreclosure, or in settlement of 

dcbU due the bank 8,191 16 

Other payments, viz.: 

Adfsnce pajmenta Liberty Bonds 138.800 00 

Installment payments on Liberty Bonds withdrawn. . 240.660 00 

Inrarance advanced 107 26 

littl estate contract 6.60000 

U. 8. certificates 200,000 00 

585,557 25 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 288,882 16 

$2,253,06 5 76 

STATISTICAL INFORMATION ^ 

Number of open accounts January 1, 1919 6,801 

Nomber of accounts opened or reopened during the year 1,288 

Number of accounts closed during the year 737 

Amount deposited during the year, not including dividends 

©edited for that period $1,104,971 25 

Amount withdrawn during the year 861 , 709 01 

Amount of dividends credited and paid for the year, viz.*. 

July 1, 1938 186.688 86 

Janoaiy 1, 1919 39.184 84 

75,873 69 

Average amount of each account January I, 1919 331 42 

^te per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Kste per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $110,956 22 

Tfltal expenses of the bank for the year 1918 14,038 72 

Kridends paid to depositors for the year 1918 75,873 69 

Net earnings for the year 1918 over expenses and dividends 

Ptid to ^poflttors 20,443 81 



268 Report on Savings Banks 

116. STATEN ISLAND SAVINGS BANK, STAPLSTON 

[81 Water street; Incorporated 1864] 

EDWARD C. BRIDGMAN. President. HERMAN C. HAGEDORN. Cashier. 

EDUARD C. MBURBR. Vice-President. * GEO. C. HALL, AssisUnt Casbier. 

GEO. 8. HUMPHRBT, Vice-President. 

TRUSTEES 

E. C. BRIDGMAN, PATRICK BRADY. J. BDW. STAKB, 

WILLT 80NNTAG, ED. C. MEURER, WM. J. WELSH, 

VV. HUDSON CLARK, CHAS. A. BRUNS, JOHN CARMICHKI^, 

FEDOR SCHMIDT, WILLIAM L. VOORHIS. OTTO J. THOMBN, 

ALBERT C. EACH, EDMUND L. JUDSON. CARL F. GRIBSHABEB. 

ERNST WEHNCKE. GEO. S. HUMPHREY, ERNEST R. MOODY, 

OTTO LINDBMANN, JOHN B. PEARSON, J. DWIGHT LBGGBTT. 

FINANCIAL 

RESOUROirS 

Bonds and mortgages $3,555, 196 50 

Stock and bond investments, viz.: 

Par Original Estimated 

Btockt and honda value cost market value 

United States $582.660 00 $592,650 00 $682,660 00 

CiUes iD other States 344,000 00 351.447 06 336,820 00 

aties in this State 628. 000 00 530, 947 66 615, 580 00 

Counties in this State 120, 000 00 128, 747 40 U9,000 00 

Towns in this State 26,000 00 25,326 10 26,000 00 

Villages in this State 20, 000 00 20, 140 04 19, 980 00 

School districts in this State 121,200 00 130,973 70 127.147 00 

Railroad mortgage bonds. ... 1, 242, 000 00 1, 267, 676 62 1, 124. 790 00 

$2,992,^0 00 $3,047,906 56 $2,860.967 00 



2,860,967 00 
Banking house and lot, book value, $16,000; cost, $49,192.47; 

actual cash value 49 , 192 47 

Other real estate, book value, $27,733.86; cost, $27,733.86; 

actual caah value 27,733 86 

Cash on deposit in banks or trust companies 400, 92^ 35 

Cash on hand 96,488 70 

Total of collectible interest 121,502 45 

Amount of all other a.ssots, viz. : 

Liberty Bonds held for subscribers $227,276 00 

Insurance premiums and taxes advanced 527 79 

227,802 79 



$7,339,813 12 



LIABILITIES 

Amount due depositors, viz.: 

Principal $6,610,826 08 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 116. 867 49 

Other liabilities, viz.: 

Liberty' Bond deposits $138,238 10 

Deposits to secure payment of insurance premiums 
and taxes 1.047 56 



$6,727,693 57 



139,285 65 
Surplus on market vahie 472,833 90 

$7,339,813 12 



Surplus on par value, $604,716.90. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $342,306 13 



Richmond County 269 

From depoeitors, not including dividends credited $2, 954, 723 34 

Fnm intereat on loans, deposits and investments 326,415 17 

From rents from banking house 5,054 08 

From rents fromr other real estate 1 ,615 80 

From mortgages 272 , 100 00 

From redemption of stocks and bonds 190,700 00 

From real estato sold 16, 393 76 

Prom all other sources, viz.: 

Snbtcrlbers to Liberty Bonds 1862.187 10 

Bonds purchased for suNicrlbers 2,660 00 

Innirance premiums, taxes and interest refunded.. 6»008 09 

Cash over 344 71 

Deposits on real estate sale 26 00 

Fire loss mortgaged premises 2,600 00 

Withheld on loan closed 1,600 00 

Ubertj Bond conpon book stamps 9,992 00 

Coupons collected for customers 4,108 66 

CoUection items 2,797 22 

881,102 67 



$4,390,410 94 



PAYMENTS 

To depositors, including dividends paid to than $1,860,546 55 

For loans on bonds and mortgages 355,550 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $713,650) 713,650 00 

For interest (other than dividend payments to depositors) . . 4,057 18 

For current expenses of the bank, viz.: 

For salaries 126,189 48 

For taxes : Banking house, $1,213.16 ; surplus, $3,984.68 ; 

on mortgages, $1,694.96 6,792 78 

F^r expenses, except taxes, of banking bouse : 

Repairs 1.289 72 

Insurance 196 69 

(Hber 2.416 48 

For expenses of other real estate, vis. : 

Repairs 1.174 84 

Insurance 84 70 

Ikxes 404 42 

Other 160 60 

Fy>r other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 11.094 00 

49,803 20 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 17,175 78 

Other payments, viz.: 

Insurance, taxes and interest $6,678 77 

Cash short 238 64 

Return of deposit, sale of real estate 26 00 

Amount withheld on loan 1,600 00 

Fire insurance loss 2,600 00 

Collection 2,737 22 

Ubert7 Bond coupon book stamps 9,992 00 

Proceeds of coupons paid to customers i.103 66 

Bonds purchased for subscribers 863,825 00 

Canceled Liberty Bond subscriptions 1, 716 00 

892,210 18 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 497,418 05 

$4,390,410 94 



STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 17 ,408 

Xumber of accounts opened or reopened during the yeax 2,686 



270 Report on Savings Banks 

Nximber of account? closed during the year 1,338 

Amount deposited during the year, not including dividends 

credited for that period $2,354,723 34 

Amount withdrawn during the year 1 ,860,546 55 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 |111,B78 89 

Januaiy 1, 1919 116,867 49 

228,446 38 

Average amount of each account January 1, 1919 386 54 

Number of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society ax:counts, or 
judicial sales, or trust fund^, or by order of a court of 

record or of a surrogate 12 

Total amount of such accounts $37,360 25 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 .' 4 

Rate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the hank for the year 1918, after allowing for 

amortization of premiums and discounts $331 ,490 06 

Total expenses of the bank for the year 1918 40,803 20 

Dividends paid to depositors for the year 1918 228,446 38 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 53,240 48 



ST. LAWRENCE COUNTY 



HT. ST. LAWfiEHCE COltlfTT SAVINGS BAHK, 0GDEH8BUSG 

ITS State itrMt; iDcoriioTnted U0>] 

AMnRKW IRVING. President. JAHE8 B. KBLLT, TrMinrer. 

G- a HADILL, Vlce-PrMldcnt. JOBBPH W. FLEHINO. Bccretai? 

B. H. BiriCHINoa. Vlcc-PreilileDt. 

TRUSTEES 
UNBST M. AKINS, RICHARD H. HUTCHINGS, 

FU-tK W. AUBa. ANDREW IBVINO. 

WALTER O. KBLLOGO, 

JAHRS B. KBLTjY. 

8AHTISL W. LBONARD, 

DBNNIS LYNCH, 

GRANT C. MADILL, 
IOB.t C. HOWARD. CBAB. D. RANDLE6, 

FELIX UULBER, 

FINAJTOIAL 

BE80DRCES 

Bwiis snU mortgages 1400,100 91 

Htodi ind bond iiiTestmeiiU, viz.: 



ttutrd Stata nn.ISODO 

aon Id otber States M.WD M 

atlci la tUB mate K.VID IS 

CoutlMln UlaSUte. lO.OW OO 

Tfwulii thia Bute ICODD m 

TIKitM Id tbla State 41,080 W 

Scbgot dlitrlcU Id thl« State 28,000 OQ 

bJIiMd Diartfage boada 244,000 00 



tUn.lGOOO 
81,184 S« 
OS.OMGI 



8e.4>0 00 
K.48S38 
10,«00 00 
£l.m«0 
4t,«88 0O 

X8.no 00 

114,830 00 



tSU,HXI IS 



Other rad esUt«, bock value, *8S4.73i coat, $S64.T3; actual 
cuh value 

Cadi on deposit in banks or truat companiea 

Cwh on band 

Total of collectible interest 

AmouDt of all other aaaets, vii.: Inauraiice prenriumB and 
UXN advanced 



S54 73 

78,681 64 
1,030 72 
13,2«0 99 



$1,104,703 02 



Aumnt due depoaitora 

Principal 

Mildnida credited »i 



LIABILtTIBB 



. 11,081, J58 M 

u,-an n 



other Kabilitiea, vie: Liberty Bond deposits.. 
Surplus on market value 



- «1, 052, 166 95 
17,299 00 
35.307 07 



Bor^g on p&r value, $61,427.80. 



272 BicpoBT ON SAvmGS Banes 

CASH TRANSACTIONS DUMNG THE YEAR 1918 

EBCBIPT8 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $67,212 77 

From depositors, not including dividends credited 356,374 26 

From interest on loans, deposits and investments 49,167 43 

From mortgages 57,346 39 

From redemption of stocks and bonds 22,900 00 

From stocks and bonds sold (total par value, $188,300.00) 188,222 00 

From all other sources, viz.: 

Cash over 167 99 

Insurance premium advanced refunded 5 00 

Liberty Loan InBtallments 68,600 23 

63,633 22 



$804,8fii|8 07 

PAYMENTS 

To depositors, including dividends paid to them $412,546 00 

For loans on bonds and mortgages 26,791 46 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $212,740.00) 211 ,855 68 

For interest (other than dividend payments to depositors) . . 945 66 

For current expenses of the bank, viz.: 

For salaries 16,102 98 

For taxep: Surplus 18120 

For rent of banking rooms 664 00 

For other expenses, not including expenses of other 
real estate nor other expenses of tanking house.. 1,839 98 

7,228 11 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 854 73 

Other payments, viz.: 

Insurance premiump and taxes advanced |647 71 

Cash short 96 96 

Liberty Loan installments 62,878 60 

63,122 17 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 81 ,512 36 

$804, 856 07 

STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 3,055 

Number of accounts opened or reopened during the year 473 

Number of accounts closed during the year 704 

Amount deposited during the year, not including dividends 

credited for that period $356,374 26 

Amount withdrawn during the year 412,546 00 

Amount of dividends credited and paid for the year, viz.: 

July 1, 1918 $17,16978 

January 1, 1919 16,797 97 

Credited at other periods 274 81 

34,232 01 

Average amount of each account January 1, 1919 287 85 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 3% 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $51 ,536 44 

Total expenses of the bank for the year 1918 7,228 11 

Dividends paid to depositors for the year 1918 34,232 Ol 

Net earnings for the year 1918 over expenses and dividends 

paid to depoWtors 10,076 32 



SCHENECTADY COUNTY 



118. SCUENECTADT SAVINGS BANK, SCHENECTADY 

[600 State street ; incorporated 1834] 

EVERETT SMITH, President. WM. L. PEARSON. Vice-President. 

ALLEN W. JOHNSTON, Treasurer. 

TRUSTEES 

IVERETT SMITH, ALLEN W. JOHNSTON. GEORGE B. EMMONS, 

SJUilA?^ L. PEARSON. HERMAN V. MYNDER8B. H. ROGER HBGEMAN. 

gAYTOX L. KATHAN, LEWIS A. SKINNER. CHA8. WASHKURN, 

HBNKY BRADT, F. W. McCLELLAN. JOHN G. BARRY. 

WILLIAM DALTON. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $5,695^950 11 

Slock and bond investmentaj viz.: 

Par Original Estimated 

BtOfkM and bonds value cost market value 

rmted states 13.068,002 77 $3,068,075 80 $3,068,092 77 

oUte of AlatMima 25.000 00 26,686 00 24,50000 

State of Massachusetts 50. 000 00 49,000 00 43, 500 00 

Cities In other SUtes 1, 147, 904 00 1, 189, 728 02 1, 102, 471 12 

ClUet In this State 1,270,790 23 1,306,538 86 1,259,028 79 

Coaoties in this State 443,000 00 465,963 50 442,760 00 

TWns hi this State 119,000 00 121,612 78 124,400 00 

Villages in this State 228,100 00 230,72129 230,506 00 

School districte is this State 34,000 00 35,266 12 34,920 00 

Railroad mortgage bonds.... 125,000 00 118,687 60 100,250 00 

$6, 510, 887 00 $6. 612, 178 86 |6, 430. 430 68 



6,430,430 68 
Banking house and lot, book value, $100,000; cost, $76,060.27; 

actual caah value 76,050 27 

Other real estate, book value, $6,085.12; cost, $6,085.12; 

actual cash value 6,085 12 

Cash on deposit in banks or trust companies 777,703 51 

Cash on hand 198,058 84 

Total of collectible interest 199,885 90 

Amount of all other assets, viz. : 



U. 8. Thrift Stamps $26,023 85 

Rebates — adjustment W. S. S. and certificates 2,130 32 

Cash from December sales W. S. S. and certificates 12,788 54 



39,942 71 



$13,424,107 14 

LIABILITIES " 

Amount due depositors, viz.: 

Prladpal $10,433,086 01 

tHTidends credited or to be credited for the six 

months ending with December 31, 1918 161,200 78 

$10,594,285 79 

Other liabilities, viz.: 

Uberty Bond deposits and accrued interest $600, 181 48 

BlUs payable — Liberty Bond and W. S. S. Loans.. 1,602,061 21 

Deposits — jxmior dei>artment 13144 

2,202,374 14 

Surplus on market value 627 ,447 21 

$13,424,107 14 

Surplus on par value, $707,903.53. 

[273] 



274 Report on Savings Banks 

CASH TRANSACTIONS DUiRING THE YEAR 1918 

RECEIPTS 

Gash on hand and in> banks or tnist companies January 1, 

1918, before transactions of the day $616, 191 52 

From depositors, not including dividends credited 6,223,494 32 

Prom interest on loans, deposits and investments 446,290 42 

From rent« from other real estate 334 00 

sFrom mortgages 278,842 50 

From redemption of stocks and bonds 2,057,850 34 

From stocks and bonds sold (total par value $412,171.95) . . 404,331 95 

From real estate sold 3,747 06 

From all other sources, viz. : 

Junior department — without interest |87 63 

Exchange on travelers' checks 2 96 

Suspense account 100 71 

MortKage taxes and insurance 936 95 

Over credit, error and duplication, interest adjust- 
ments 16 8fi 

War certificates, difference in rating 10 89 

To bring to par U. 8, Bonds purchased over window 18 97 

U. 8. Certificates and- Thrift Stamps 230.968 12 

Interest U. S. Liberty Loans and mortgages 68.671 18 

V. 8. Liberty Loan Wlls payable 2,270,100 00 

2,565,911 66 

$12,596,003 67 



PAYMENTS 

To depositors, including dividends paid to them $5,227,803 00 

For loans on bonds and mortgages 464,610 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $3,470,996.15) 3,473,323 22 

For interest (other than dividend payments to depositors) . . 1,129 50 
For current expenses of the bank, viz.: 

For salaries 141,008 81 

For taxes : Banking house. |4,497.46; surplus, 4,190l96 8,688 42 

For expenses, except taxes, of banking bouse : 

Repairs W 26 

For expenses of other real estate, viz. : 

Repairs 567 56 

Insurance 23 44 

Taxes 222 87 

Otber 4 BO 

For other expenses, not including expenses of other 

real estate nor other expenses of banking house.. 12,063 43 

62,637 78 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank ^ 4,080 71 

Other payments, viz.: 

U. S. certificates, and Thrift Stamps |1»6.8B8 82 

Suspense account 82 90 

Junior department (without interest) 10172 

Mortgage taxes and insurance 1>397 80 

NV>tes and interest U. S. Bonds and Loans 2.187.619 70 

Short credit Interest 58 88 

Interest on dormant .accounts 54188 

Miscellaneous ^^ JJ 

Paving ; 648 23 

Difference on sale of property MO 04 

2,387,547 12 

Ca«h on hand and in banks or trust companies December 31, 
1918, after transactions of the day 975,762 35 

$12,596,99» 67 



Schenectady County 275 

STATISTICAL INFORMATION 

Number of open accoimU January 1^ 1&19 43,876 

Number of acfx>uiit8 opened or reopened during the year. . . . 9,363 

Number of accounts closed during the year 8,204 

Amount deposited during the year, not including dividend« 

credited for that period $4,552,014 33 

Amount withdrawn during the year 3,013,882 38 

Amount of divid^idfl credited and jMiid for the year, yiz.: 

July 1, 1918 1153,09979 

January 1, 1918 170,595 96 

323,605 75 

Average amount of each account January I, 1010 237 70 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1018 3% 

Bate per cent, of dividends to depositors during the six months 

endmg December 31, 1018 3% 

Total earnings of the bank for the year 1018, after allowing for 

amortization of permiums and discounts $482, 250 56 

Total expenses of the bank for the year 1018 71 ,221 05 

DiTidends paid to depositors for the year 1018 323,605 75 

Net earnings for the year 1018 over expenses and dividends 

paid to depositors 87,332 86 



SENECA COUNTY 



119. THE SENECA FALLS SAVINGS BANK, SENECA FALLS 

[76 Fall street; Incorporated 1870] 

T. JBFFEKSON YAWGBR. President. HORACE D. KNIGHT, Vice-President. 

BLIAS LESTER, Vice-President. S. ROMAYNE SOMBRS, Treasurer. 

HAMILTON GARNSEY, Vice-President. 

EDWARD W. ADDISON, Aspt. Treas. 

TRUSTEES 

BDWAKD W. ADDISON, BLIAS- LESTER, E. WILLIAM MKDDEN, 

HAMILTON GARNSEY. JOHN C. DAVIS, FRED L. STORY, 

CHAS. P. HAMMOND. CLAUDE L. PALMER, ALBERT P. HANEY. 

HORACE D. KNIGHT, C. A. MacDONALD. T. JEFFERSON YAWGER 

HENRY R. MICKS. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $338, 720 88 

Stock and bond investmentSi viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States $39,634 00 $39,634 00 $39,634 00 

State of Arizonla 5,000 00 5,103 25 6,100 00 

State of Mississippi 10, 000 00 10, 355 00 10. 000 00 

Cities in other States 24,000 00 24,727 60 24,100 00 

Cities in this State 30,000 00 30,348 76 29,100 00 

Counties In this State 20, 167 50 20, 709 50 20, 418 34 

Towns in this State 5. 500 00 5, 558 93 5, 510 00 

Villages in this State 136. 500 00 139, 866 33 137, 872 60 

School districts in this State 26,040 OO 2G.565 45 25,750 80 

Railroad mortgage bond^.... 316,000 00 317.219 51 276,300 00 

$612,84150 $620,078 32 $673,785 64 



573,785 64 

Promissory notes 697 00 

Banlcing house and lot, "book value, $19,000.00; cost, $19,- 

834.52; actual cash value 19,000 00 

Other real estate, book value, $8,000.00; cost, $11,486,15; 

actual cash value 11 ,485 15 

Cash on deposit in banks or trust companies 136,30ft 16 

Cash on hand 8,929 90 

Total of collectible interest 12,091 07 

Amount of all other assets, viz.: 

Land contract |K0 OO 

Furniture and fixtures 4,000 00 

Insurance and taxes advanced M4 U 

Premium account 439 66 



6,333 67 



$1,106,339 47 



LIABILITIES 

Amount due depositors, viz.: 

Principal $1,082,614 59 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 18, 920 71 

$1, 051, 535 30 

Surplus on market value 54,804 1 7 

$1,106,339 47 

Surplus on par value, $93,860.03. ~ 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day . $109,^039) 40 

[276] 



Sbkbsca County 277 

From depoBitors, not including dividends credited $^72, 644 63 

From interest on loans, deposits and investments . . ., 40 , 942 41 

Prom rents from banking house 410 00 

From rents from other real estate 994 07 

From mortgages 28,707 39 

From redemption of stodcs and bonds 15,518 50 

From stocks and bonds sold (total par value, $8,300) 8,300 00 

From loans paid 4,770 00 

From all other sources, viz. : 

Thrift Stamps |1,732 72 

Tues and insurance advanced, refunded 646 55 

SandTles 19 96 

2,399 23 

$592,725 63 

PATMBNTS 

To depositors, including dividends paid to them $368,900 69 

For loans on bonds and mortgages 40,050 00 

For loans on stocks and bonds and other securities 6,367 00 

For stocks and bonds purchased, including premiimis, oommis- 

Bions, etc. (total par value, $23,290) 23,290 00 

For interest (other than dividend payments to depositors) . . 87 86 

For current expenses of the bank, viz. : 

For salaries $4,040 00 

For taxes : Bankins: house, $385.05 ; surplus, $415.95 ; 

on mortgages, $159.00 960 00 

For expenses, except taxes, of banking bouse : 

Repairs 13 41 

Insurance 11 00 

Other 293 64 

R>r expenses of other real estate, viz. : 

Repairs 205 55 

Taxes 328 61 

Other 102 15 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 875 56 

6,829 92 

Other payments, viz.: 

Insurance and taxes advanced $307 38 

Thrift and War Savings Stamps 2,566 72 

2,874 10 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 145^326 06 

$592";725~63 

STATISTICAL INFORMATION ^ 

Xomber of open accounts January 1, 1919 3, 134 

Xumber of accoimts opened or reopened during the year 557 

Number of accounts closed during the year 549 

Amoant deposited during the year, not including dividends 

credited for that period ." $372,644 63 

Amount withdrawn during the year 368,900 69 

Amount of dividends credited and paid for the year, viz. : 

Jnly 1, 1918 $18,761 71 

January 1. 1919 18,920 71 

37,682 42 

Average amount of each account January 1, 1919 335 52 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $50,658 59 

Total expenses of the bank for the year 1918 6,829 92 

DiTidends paid to depositors for the year 1918 37,682 42 

Net earnings for the year 1918 over expenses and dividends 

paid to depo^tors 6, 146 25 



SUFFOLK COUNTY 



180. RIVERHEAD SAVINGS BANK, RIVERHEAD 

[Main street; Incorporated 1872] 

USHBR B. HOWBLIi, President OTIS G. PIKE Secretary. 

GEOUQB M. VAIL, Vice-PresIdeDt. tliED RIESDORPH. Asst Secretary. 

ERASTUS F. POST, Vice-President. 



TIHOTHT If. GRIFFINO. 
GEORGE W. COOPER. 
GEORGE M. VAIL, 
USHER B. HOWELL. 
THAD. N. BENJAMIN, 
OTIS G. PIKE, 
FRANK H. WELLS. 



TRUSTEES 

HENRT H. PRESTON. 
ERASTUS F. POST, 
NAT. S. TUTIIILL. 
GEORGE H. PERKINS. 
F. PORTER HOWELL, 
JACOB MEYER, 



FINANCIAL 
RESOURCES 



O. EDMUND GRISWOLD. 
ABRAM S. POST. 
WILLIS D. VAN BRUNT, 
GILBERT D. ROGERS. 
EDWIN D. FISHBL, 
ERNEST W. TOOKER. 
ALEXANDER B. SOTARS. 



Bonds and mortgages 

Stock and bond investments, viz.: 

Par 
Stocks and bonds value 



$5,038,375 88 



United States 

Cities in other States 

Counties, villages and towns 

in adjoining States 

CiUesin this State 

Counties in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad ntortgage bonds — 



1485,400 00 
366,000 00 

40,000 00 
470,500 00 
16,000 00 
94,000 00 
222,019 84 
323.446 50 
200,000 00 



Original 
cost 

1484.816 00 
383,512 46 

42,358 20 
490,477 03 
16,120 20 
98.342 27 
228,624 58 
343,098 68 
220,512 60 



Estimated 
market value 

1486.400 00 
369,950 00 

43,628 00 
472.702 60 
16.080 00 
99.969 90 
226,648 23 
333.108 18 
162.000 00 



12, 216, 366 34 |2. 307, 861 91 |2. 199. 286 81 



Banking house and lot, book value, $25,000.00; coat, $50,- 
043.29 ; actual cash value 

Other real estate, book value, $94,771.83; cost, $94,771.83; 
actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 



LIABILITIES 

Amount due depositors, viz.: 

Principal 16,781,280 68 

Dividends cre<lltcd or to be credited for the six 
months ending with December 31, 1913 136, 406 79 



2,199,28» 81 
25,000 00 

94,771 83 

720,201 35 

95,244 33 

90,177 50 



$8,269,057 70 



Surplus on market value. 



$6,917,687 37 
1,351,370 S3 

$8,269,057 70 



Surplus on par value, $1,368,449.86. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $852,670 18 

[278] 



Suffolk County 279 

From depoeitors, not including dividends credited 91» 118, 251 49 

From interest on loans, depoaits and investments 405,409 59 

From rents from banking house 2, 833 00 

From leotB from other real estate 7 ,662 48 

From mortgages 219,614 16 

From redemption of stocks and bonds 426,589 32 

From stocks and bonds sold (total par value, $195,000) 195,735 46 

From loans paid 100 00 

From real estate sold 109,363 20 

From all other sources, viz.: 

Waste iMiper and card index $20 96 

Profit, exchange of Liberty Bonds 23 21 

44 17 

<3, 337, 073 05 

PAYMBXTS 

To depositors, including dividends paid to them $1,209,498 58 

For loans on bonds and mortgages 276,846 86 

For loans on stocks and bonds and other securities 100 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $930,400) 932,939 76 

For interest (other than dividend payments to depositors) . . . 1,988 05 

For cnrroit expenses of the bank, viz.: 

For nlariea $16.624 47 

For taxes: Banking house, $1,006.67; surplus. 

$12,587.72; on mortgages, $80.00 13,663 29 

For expenses, except taxes, of tmnking house : 

Bcpalfs 206 26 

Other 2,794 26 

For expenses of other real estate, rls. : 

Repairs 1,909 98 

Insurance 238 12 

Taxes 3,702 27 

Other 1.669 43 

For other expenses, not Inclnding expenses of other 
real estate nor other expenses of banking house.. 3,301 61 

43,098 58 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 51,155 54 

(?ssh on hand and in banks or trust companies December 31, 
1918, after transactions of the day 821 ,445 68 

$3,337,073 05 

STATISTIOAL INFORMATION 

Knniber of open accounts January 1, 1919 9,864 

Number of accounts opened or reopened during the year 021 

Komber of accounts closed during the year 835 

Amoant deposited during the year, not including dividends 

credited for that period $1, 118,251 49 

Amount withdrawn during the year 1 ,209,498 58 

Amoant of dividends credited and paid for the year, viz. : 

Joly 1, 1918 $136,600 22 

JanuAiy 1, 1919 136,406 79 

273,007 01 

Aversge amount of each account January 1, 1910 701 30 

Bste per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 and 4^6 

Hate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 and 4H 

Total earnings of the bank for the year 1918, after allowing 

for amortization ol premiums and discounts $414, 166 45 

Total expenses of the bank for the year 1918 45,836 71 

I>nridends paid to depositors for the year 1918 273,007 01 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 95,322 73 



280 REPOBt ON Savings Banks 

121. SAG HARBOR SAVINGS BANK, SAG HARBOR 

[Main street; Incorporated 1860] 

WILLIAM D. HALSBT, President. EVERETT L. TINDALU Treasurer. 

WM. R. RBIMAN, Vice-President JOHN Y. CORWIN, Asst. Treasurer. 

CLIFFORD J. FOSTER, Vice-Presldem. 

TRUSTEES 

JOHN H. HUNT. JOHN M. WOODWARD. CHAS. W. RACKBTT. Jr.. 

ALDBRT H. ROOBRS. BURTON D. CORWIN. HENRT SCHWBNK, 

OLIVER H. NICKERSON, ED. B. HILL. JONATHAN BAKBR, 

HENRY F. COOK, FRANK W. CORWIN. WILLIAM H. PIER80N. 

WILLIAM C. GREENE. ADDISON M. COOK. CLIFFORD J. FOSTER. 

EVERETT L. TINDALL, EDWARD A. HILDRETH. WM. H. BARNES. 

WILLIAM R. RBIMAN. WILLIAM D. HALSBY. J. HERVBY TOPPING. 

OLIN M. EDWARDS. EDGAR A. HILDRETH. JOHN NUGENT. 

JOHN Y. CORWIN, CHARLES W. RACKETT. WM. H. STAFFORD, 

CASPER SCELA.BFEB, JAMES H. MULFORD, GEORGE H. HAND. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $1,436,035 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and bonds value cost market value 

United States $120,329 68 1120,328 56 $120.329 68 

Cities in other States 116,000 00 125,31130 112,530 00 

Cities in this State 63.000 00 66,31101 57,680 00 

Counties in this State 5,000 00 5,14100 4,900 00 

Towns in this State 24.000 00 25,368 00 23.040 00 

Villages in this State 59, 400 00 61, 522 00 60. 256 OO 

School districts in this State 103,000 00 110,582 03 109,412 50 

Railroad mortgage bonds 190, 000 00 195. 562 50 169, 150 00 

$680.729 68 $709,126 40 $647,297 18 



647,297 18 
Banking house and lot, book value, $20,950.00; cost, $47,- 

465.56; actual cash value 29,050 00 

Other real estate, book value, $108,219.48; cost, $108,219.48; 

actual cash value 108,219 48 

Cash on deposit in banks or trust companies 133,410 86 

Cash on hand 19,071 49 

Total of collectible interest 39,042 03 

Amoimt of all other assets, viz. : 

Land contracts and interest $29,320 19 

Accrued rents 543 76 

Taxes and Insurance advanced 220 28 

Balance due on LiX>crty bonds 414 26 

30,498 48 



$2,443,524 52 



LIABILITIES 



Amount due depositors, viz. : 



Principal $2,161,939 96 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 41,395 87 



$2,203,335 82 
Surplus on mrarket value 240,188 70 

$2,443,524^2 
Surplus on par value, $273,621.20. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS •• 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $206,221 24 

From depositors, not including dividends credited 353,294 08 

From interest on loans, deposits and investments 112,860 71 

From rents from banking house 1 ,304 00 



Suffolk County 281 

From rents from other real estate $3, 627 00 

From mortgages 64,931 00 

From redemption of stocks and bonds 88,000 00 

From stodcs and bonds sold (total par value, $4,111.78) 4,111 78 

Frrar real estate sold 33,070 00 

From all other sources, viz: 

Insurance and taxes advanced refunded |1,043 82 

Judgment 33 00 

liberty Bond subscriptions and Thrift Stamps 29,791 46 

Lasd contracts 1,015 00 



31,883 28 
$899,363 09 

PAYMENTS 

To depositors, including dividends paid to them $480,738 77 

For loans on bonds and mortgages 14,650 00 

For stocks and bonds purchased, including prcmriums, commis- 

sions, etc. (total par value, $169,456.95) 169,455 83 

For interest (other than dividend payments to depositors) . . . 146 84 

For current expenses of the bank, viz. : 

I^nlaries $4,922 26 

For taxes : Banking house, $472.53 ; surplus, $2,171.95 ; 

CD mortgages, $30.00 2,674 48 

For expenses, except taxes, of banking house : 

Bepairs 66 98 

Insurance 166 12 

Other 72000 

For expenses of other real estate, viz. : 

Repairs 1,000 19 

Insurance 717 01 

Taxes 2,177 10 

Other 136 50 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 2,034 24 

14,694 87 

For real estate acquired by foreclosure, or in settlement of 

ddbts due the bank 6,274 73 

Other payments, viz.: 

Insurance and taxes advanced $833 23 

liberty Bond subscriptions and Thrift Stamps... «.. 30,186 47 
Land contracts 29.900 00 

60,919 70 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 152,482 3 5 

$899,363 09 

STATISTICAL INFORMATION 

Jfumber of open accounts January 1, 1919 4,170 

Number of accounts opened or reopened during the year. . . . 283 

Number of accounts closed during the year 403 

Amount deposited during the year, not including dividends 

credited for that period $353,294 08 

Am(Hint withdrawn during the year 480,738 77 

Amount of dividends credited' and paid for the year, viz. : 

JolT 1. 1918 $41,986 62 

January 1, 1919 41,395 87 

Credited at other periods 8 00 

83,390 49 

Average amount of each accoimt January 1, 1919 528 37 

Rate per cent, of dividends to depositors during the six montlis 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $119,344 49 

Total expenses of the bank for the year 1918 14,694 87 

I>ividend8 paid to depositors for the year 1918 83,390 49 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 21,259 13 



282 



Repobt on Savings Banks 



128. TH£ SOUTHOLD SAVINGS BANK, SOUTHOLD 

[Main street; Incorporated 1S68] 



IimNRY W. PRINCE, President 
CLARBNCB C. MILBS, Vice-President. 
H. HOWARD HUNTTNG, Treasurer. 



FRBDBRICK K. TERRY, Asst. Treas. 
RBNSSELAER G. TERRY. Asst. Tt< 



FRBDBRICK K. TBRRY, 
HENRY W. PRINCE. 
H. HOWARD HUNTTING, 
EDWARD D. CAHOON. 
WILLIAM H. TBRRY, 
JOSEPH N. HALLOCK, 



TRUSTEES 

CHAS. GILDBRSLBBVB, 
WILLIAM A. FLBET, 
FRANKLIN F. OVERTON, 
GEORGE H. TERRY, 
JOHN J. BARTLETT, 



FINANCIAL 



CLARENCB C. MILSS. 
JOHN H. BROWN. 
EDWARD W. LATflAlI. 
JOSIAH C. CASB. 
RALPH G. DUVALL, 
GEORGE B. PRESTON. 



RESOURCES 



Bonds and mortgages 

Stock and bond investment«, viz.: 

Par 
Stocks and bonds yalue 



$3,826,055 00 



United States 

Cities in other States 

Cities in this State 

Towns in this State 

Villages in this State 

School districts in this SUte 
Railroad mortgage bonds 



$408,300 00 
61,000 00 
176.700 00 
298,625 00 
660,976 68 
300,602 00 
76.000 00 



Original 
cost 

1408.300 00 
64,371 18 
190,966 81 
316.403 93 
686,683 98 
316,969 21 
76.812 60 



Estimated 

market value 

1408.300 00 

61.770 00 

173.917 60 

296.647 75 

664.560 96 

306.12118 

68.260 00 



|1. 981. 108 68 $2. 069. 497 61 |1. 978. 657 89 



Banking house and lot, book value, $14,500.00; cost, $22,- 
184.16 ; actual cash value 

Other real estate, book value, $99,724.71; cost, $116,260.59; 
actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz.: 

Insurance and taxes advanced |211 18 

Land contract 6,000 00 



1,978,557 39 

14,500 00 

100,200 00 

468,823 07 

44,281 99 

64,488 60 



6,211 18 



$6,503,117 23 



LIABILITIES 

Amount due depositors, viz.: 

Principal $6,462.790 90 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 110. 436 17 



Surplus on market value. 



$5,573,227 07 
929,890 16 

$6,503,117 23 



Surplus on par value, $932,436.35. 



CASH TRANSACTIONS DUiRING THE YEAR 1918 

BBCBIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day 

From depositors, not including dividends credited 

From interest on loans, deposit and investments 

From rents from banking house 

From rents from other real estate 

From mortgages 



$550, Oae 38 

720,184 44 

321,297 83 

104 OO 

7,0S6 95 

166, 96S OO 



Suffolk County 283 

From redemption of stocks and bonds $563,608 05 

From loans paid 15,000 00 

From real estate sold 26,588 90 

From all other sources, viz.: Insurance and taxes advanced 

refunded 2,167 29 

$2,373,928 84 

PATMSNTS 

To depositors, including dividends paid to them $821 ,931 31 

For loans on bonds and mortgages 127,875 00 

For loans on stocks and bonds and other securities 15,000 00 

For stocks and bonds purchased, including premiums, coimnis- 

uoBB, etc (total par value, $782,150) 782,833 70 

For interest (other than dividend payments to depositors) . . 451 73 
For current expenses of the bank, viz. : 

Fornlaries |U,B88 91 

F»r taxes : Bankinyr house, fieSJW ; surplus, 18,767.91 ; 

ra mortgages, $278.00 9,212 90 

For expenses, except taxes, of banking house : 

Repairs 74 45 

For expenses of other real estate, vis. : 

Repairs 4,186 29 

Insurance 829 29 

Tsxes 2,41202 

Fbr other expenses, not including expenses of other 

real estate nor other expenses of banking bouse.. 8,776 10 

32,515 96 

For real estate acquired by foreclosure, or in settlement of 

deMs due the bank 77,229 88 

Other paymoits, viz. : 

Insurance and taxes sdranced 11.067 02 

Loos, mortgage 1.319 18 

2,986 20 

Cuk on hand and in banks or trust companies December 31, 
1918, after transactions of the day 513, 106 06 

$2,373,928 84 

STATISnOAL INFORMATION 

Konber of open accounts January 1, 1919 7,060 

Kumber of aocounts opened or reopened during the year .... 494 

^^vmber of accounts closed during the year 387 

Amoant deposited during the year, not including dividends 

credited for that period $720, 184 44 

Amount withdrawn during the year 821 ,931 31 

Amount of dividends credited and paid for the year, viz.: 

Jslj 1, 1918 |U0,342 77 

Jsasaiy 1, 1919 110,436 17 

220,778 94 

Average amount of each account January 1, 1919 789 40 

Bate per cent of dividends to depositors during the six months 

ending June 30, 1918 < 4 and 4^ 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 and 4 V^ 

Total earnings of the bank for the year 1918, after allowing 

lor amortization of prenriums and discounts $317,831 75 

Total expenses of the bank for the year 1918 32,515 96 

I>mdends paid to depositors for the year 1918 220,778 94 

^et earnings for the year 1918 over expenses and dividends 

paid to depositors 64,536 85 



284 



Rbpobt on Savings Banks 



128. THE UNION SAVINGS BANK OF PATCHOGXIE, PATCHOGUS 

[Ocean avenue; Incorporated 1896] 



JOSEPH BAILET. President. 
WILLIAM A. HULSB, Vice-President. 
EMERSON G. TERRELL. Vlce-PreB. 



WALTER S. ROSE, Secretary. 

B. JOHANKNECHT, JR., Asst. Secy. 



WAI/TBR J. JATCOX, 
JOSEPH BAILEY. 
EMERSON G. TERRBLU 
ARTHUR H. TERRY, 
NELSON McBRIDB, 
MILTON O. WIGGINS, 
ALDEN J. WOODRUFF, 
GELSTON G. ROE. 



TRUSTEES 

GEORGE B. HOWELL. 
WILLIAM A. HULSB. 
WINFIBLD S. BENNETT, 
JOHN T. DARE, 
RALPH B. DAYTON. 
E. EUGENE HAWKINS, 
E. JOHANKNBCHT, Jr., 
FRANCIS GERBER, 

FINANCIAL 



JULIUS HAUSER. 
ROBT. S. PBLLETBHAU, 
ARHUR M. SWEZEY, 
JOSEPH T. LOSBB, 
RILEY P. HOWELL, 
WALTER S. ROSE, 
JOHN J. ROB. 



BESOUflCES 
Bonds and mortgages 

Stock and bond investments, viz.: 

Par Original 

Stocks and bonds value cost 



$2,060,519 00 



United States 

State of New York 

Cities in other States 

Cities In this State 

Counties in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds — 



1325,186 00 

30.000 00 

133.000 00 

157,500 00 

25.000 00 

16,900 OO 

199,450 00 

122,700 00 

285.000 00 



$322,896 00 

32,175 00 

139,886 86 

164,754 62 

26.687 50 

17,715 08 

206,907 55 

124.629 40 

289.627 06 



Estimated 
market value 

$326,198 00 

33,300 00 

134,770 00 

160.168 75 

26.000 00 

17.746 00 

201,667 76 

125.064 76 

279.120 00 



n. 294, 736 00 $1. 324, 278 91 $1, 302, 924 25 



Promissory notes 

Banking house and lot, book value, $37,600.00; cost, $42,- 

607.01 ; actual cash value 

Other real estate, book valtie, $30,082.27; cost, $30,082.27; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other aasets, viz.: 

Insurance and taxes advanced 

Th rift stamps 



11,329 27 
126 00 



1,302,924 25 
150,000 00 

37,600 00 

30,082 27 

256,191 18 

45,472 88 

32,639 64 



1,454 27 
$3,916,783 49 



LIABILITIES 

Amount due depositors, viz.: 

Principal $3,486,256 87 

Dividrnds credited or to be credited for the six 
months ending with December 31, 1918 64,997 20 



Other liabilities, viz.: Liberty Loan subscriptions, 
Surplus on market value 



3,650,264 07 

16,605 00 

349,924 42 

$3,916,783 49 



Surplus on par value, $341,736.17. 

CASH TRANSACTIONS DURING THE YEAR 1918 



RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day 

From depositors, not including dividends credited 

From interest on loans, deposits and investments 



$431,286 4S 
863,681 00 
190,673 40 



Suffolk County 285 

From mortgages $105,270 00 

From redemption of stocks and bonds 589 , 850 00 

From stocks and bonds sold (total par value, $100,650) 100,650 00 

From all other sources, viz.: 

Taxes advanced refunded $22188 

War Savings and Thrift SUmps 1,390 94 

Liberty LfOan subscriptions 93,065 00 

94,667 82 



$2,376,078 70 

PAYMENTS 

To depositors, including dividendis paid to them $820,664 56 

For loans on bonds and mortgages 75 , 300 00 

For loans on stocks and bonds and other securities 150,000 00 

For stocks and bonds purchased, including premiums, comcmis- 

uons, etc. (total par value, $925,400) 920,907 35 

For interest (other than dividend payments to depositors) . . 2,116 14 

For current expenses of the bank, viz. : 

For salaries $10,412 37 

For taxes: Banking bonse, $410.06; snrplus, $3,001.12; 3,411 18 

For expenses, except taxes, of banking bouse : 

Repairs 16 40 

Insurance 84 95 

Flor expenses of other real estate, viz. : 

Repairs 279 77 

Insorance 34 10 

Taxes 863 84 

For other expenses, not Including expenses of other 
real estate nor otber expenses of banking house.. 2,946 39 

18,048 00 

For real estate acquired by foreclosure, or in settlement of 

dAts due the bank 7,025 50 

Other payments, viz.: 

Taxes 'and Insurance advanced $1,651 15 

War Savings and Thrift Stamps 2,351 94 

Uberty Loan subscriptions 76, 450 OO 

80,353 09 

Ca^h on hand and in banks or trust companies December 31, 

1918, after transactions of the day 301 ,664 06 



$2,376,078 70 



8TATTSTIOAL INFORMATION 

IVnmber of open accounts January 1, 1919 6,993 

Number of accounts opened or reopened during the year 896 

Number of accounts closed during the year 1 , 056 

Amoont deposited during the year, not including dividends 

credited for that period $863,681 00 

Amount withdrawn during the year 820,664 66 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 $63,964 24 

January 1, 1919 64,997 20 

128,961 44 

Average amount of each account January 1, 1919 507 68 

Rote per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $187,757 13 

Total expenses of the bank for the year 1918 18,048 00 

IHvidauU paid to depositors for the year 1918 128,961 44 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 40,747 69 



TOMPKINS COUNTY 



124. ITHACA SAVINGS BANK, ITHACA 
[118 North Tioga street; Incorporated 1868] 



G. LOUIS COOK, Treaturer. 
BDWARD H. B08TWICK. BecreUry. 



ROGER B. WILLIAMS. President. 
BMMONS L. WILLIAMS. Vlce-Pres. 
ROBBRT H. TREMAN, Vice-Pres. 

TRUSTEES 

CHARLES H. BLOOD, JARED T. NEWMAN, 

EDWARD H. B08TWICK, EDWIN C. STEWART, 
F. C. CORNELL, HENRT A. St. JOHN. 

R. B. WILLIAMS, Jr., ROBBRT H. TREMAN, 

JAMBS A. McKINNBT. 

FINANCIAL 

RESOURCES 

Boiida and mortsages $1 ,217,441 22 

Stock and bond inyestmentB, viz.: 



MYNDERSB TAN CLBBF. 
ROGER B. WILLIAMS. 
BMMONS L. WILLIAMS. 
PAUL S. LIVBRMORB, 
JOHN M. OAUNTLSTT, 



Par 

Stocks and hond$ value 

United States |230,6G0 00 

State of New York 130.000 00 

State of CaUfornU 26.000 00 

State of Louisiana 50,000 00 

State of Mfissachusetts 76, 000 00 

State of Mississippi 30, 000 00 

State of New Mexico 30.000 00 

State of South Carolina 25, 000 00 

State of Wyoming 6,000 00 

Cities in other States 456, 000 00 

Cities in this State 475.500 00 

Counties In this State 45,000 00 

Towns in this State 98,530 60 

Villages in this State 424. 055 44 

School districts in this State 298.660 00 

Railroad mortgage bonds — 290,000 00 



Original 
cost 

1258,891 34 

144.226 00 

25.000 00 

49,547 60 

82,946 10 

30,085 50 

31,617 60 

25.406 26 

7,539 60 

471.861 67 

483,819 43 

48.142 40 

100,075 21 

432.797 22 

309.146 12 

321.837 70 



Estimated 
market value 

$230.650 00 

137,300 00 

23.760 00 

60,000 00 

66.160 00 

27.600 00 

29.100 00 

24.625 00 

6,316 00 

444.620 00 

463,166 70 

47,600 00 

97,177 68 

419,784 99 

299,380 00 

230,090 00 



$2,690,180 04 $2,822,937 54 $2,597,209 27 

— * «— =_ _==. 2,597,209 27 
Banking house and lot, book value, $45,000; coat, $87,134.74; 

actual cash value 60,000 00 

Other real estate, book value, $558.82; cost, $558.82; actual 

cash value 658 S2 

Cash on deposit in banks or trust companies 236,015 56 

Cash on hand 51 ,496 79 

Total of ooUeotible interest 63,048 20 

Amount of all other assets, viz.: 

Land contract and interest $61 88 

Liberty bonds, customers subscription 14. 933 89 

U. S. certificates 80.000 00 

Rents accrued 1,148 76 

46,134 02 

$4,271,903 88 

LIABILITIES 

Amount due depositors, viz.: 

Principal $3, 816, 487 10 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 62, 866 81 

3,879,302 91 

Other liabilities viz. : Surplus tax accrued 2 ,000 00 

Surplus on market value 390,600 97 



$4,271,903 88 



Surplus on par value, $483,577.74. 



[286] 



Tompkins County 287 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBGBIPTS 

Caah on hand and in banks or trust companies January 1, 

1918, before transactions of the day $209,004 34 

From depositors, not including dividends credited 1,466,880 12 

From interest on loans, deposits and investments 180,812 20 

From rents from banking house 5,687 25 

From mortgages 56,247 16 

From redemption of stocks and bonds 152,479 96 

From stodu and bonds sold (total par value, $500) 480 00 

From real estate sold 90 00 

From mi other sources, viz. : 

Liberty Loan accounts 1829,309 81 

Uod contract 60 00 

Cish over 67 74 

Proflt and loss 1166 

829,439 20 



i^ 



$2,910,110 32 

PAYMENTS 

To depositors, including dividends paid to them $1,637,284 02 

For loans on bonds and mortgages 22,523 38 

For stodcs and bonds purchased, including premiums, connnis- 

siona, etc. (total pHr value, $144,050) 143,420 04 

For interest (other than dividend payments to depositors) . . 1,881 OS 
For carrent expenses of the bank^ viz. : 

l^r salaries $17,875 67 

For ttxes : Bankinfr house, |1,976 07 ; surplus, $3,584.38 ; 

<aa mortgngea, mo.OO 5.62046 

ror expenses, except taxes, of banking house : 

BepaiiB 896 89 

^ Otter 2,170 06 

For expenses of other real estate, via. : 

^Taxes 14 14 

For other expenses, not Including cn>en«es of other 

real estate nor other expenses of banking house.. 4,037 76 

^ 29,614 85 

Other payments, viz. : 

Liberty Loan Account $637,695 77 

tr. 8. certificate of indebtedneps 150,000 00 

Profit and loss 107 87 

Cash short U 46 

787,874 60 

Cish on hand and in banks or trust companies December 31, 
1918, after transactions of the day 287,512 35 

$2,910,110 32 



8TATISTI0AL INFORMATION 

Xumber of open aocounts January 1, 1919 10,928 

Number of accounts opened or reopened during the year.. 1,417 

Xomber of accounts closed during the year 2,071 

AmoDBt deposited during the year, not including dividends 

credited for that period $1,466,880 12 

Amount withdrawn during the year 1 ,637,284 02 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 $84,76018 

Jaanary h 18U» 62,866 81 

CRdltecl at other periods 1,276 87 

128,901 86 

Aferage amount of each account January 1, 1919 354 98 

Knmber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 



288 Ebpobt on Savings Banks 

ledgers, except deposits arising from society accounts, or 

judicial sales, or trust funds, or by order of a court of record 

or of a surrogate 2 

Total amount of such accounts $8, 173 69 

Rate per cent, of dividends to depositors during the six mcHiths 

ending June 30, 1918 3^ 

Rate per cent, of dividends to depositors dtiring the six months 

ending December 31, 1918 3% 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discoimts $187,701 16 

Total expenses of the bank for the year 1918 29,614 85 

Dividends paid to depositors for the year 1918 128,901 86 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 29, 184 45 



ULSTER COUNTY 



125. ELLENYILLB SAVINGS BANK, ELLENVILLS 

[Canal street; Incorporated 1S69] 



DWIGHT DIVINE. President 
WILLIAM H. DMYO, Vice-President. 
C DWIGHT DIVXNB, Vice-President. 



HENBY F. HOOBNBECK, Treasurer. 
JOHN A. TICB, Secretary. 



DWIGHT DIVINE, 
WILLIAtf H. DEYO, 
JAMBS B. SMITH. 
HENBY F. HOOBNEBCK, 
OHABLES ANDERSON, 
GILBERT DU BOIS. 
U. £. TBBWILLIGEB, 



TRUSTEES 

M. E. CIABK, 
WILLIAM C. BOSB. 
C. D. DIVINE, 
B. A. MONROE. 
OBOBOE B. HOLMES. 
PHILIP PATTERSON, 

FINANCIAL 

BES0T7KCBS 



CORNELIUS H. SHEELY» 
WILLIAM A. HOAR, 
GARRET LB ROY. 
BBBT H. TERWII/UGBB, 
ARTH. A. HOORNBECK, 
CHESTER YOUNG. 



BondB and mortgages 

Stock and bond investments^ viz.: 

Par 
Btoeka and h9nd9 value 



$423,905 50 



United States 

State of Idaho 

State of Louisiana 

State of Tennessee 

Cities in other States 

Cities in this State 

Comities in this Slate 

l!t>w]» iB this State 

VlUa«res in this State 

School districts in this State 
Bailroad mortgage bonds — 



|14fi.«MM 

25.000 00 

10.000 00 

30.000 00 

232,000 00 

24S.6G0W 

Mf.ooaoo 

164.300 00 
306,396 60 
118.333 34 
26K.006 00 



Original 
cost 

$145,000 00 

25,787 66 

0,968 00 

30,860 00 

243.390 40 

266,438 27 

lM,f70 38 

168,148 78 

372»294 60 

121.980 22 

253.612 26 



Estimated 
market yalue 

$146,000 00 

25.600 00 

10.000 00 

80.300 00 

234.966 00 

240.610 60 

162,696 06 

166,165 00 

367.708 06 

119,836 67 

222.660 00 



11.600.666 94 $1,733,809 40 $1,664,624 23 



Beidclng house and lot, book value, $20,000.00; cost, $27,- 
620.05; actual cash value 

Other real estate, book value, $d8,153.i>3; eost, $38,153.93; 
aeittai cash value 

Carii OB deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amoimt of all other assets, viz. : 

Land contract $175 00 

Rent accrued 3000 



1, 664^524 23 
20,000 00 

38.153 03 
157,266 99 

16.154 97 
30,510 53 

«» 00 
$2,366,421 16 



LIABILITIES 



Amount due depositors, viz.: 



Prtndpal $2.160,0M 22 

Dividends credited or to be credited f«r tlie six 
months endlog with Deceaiber 31, 1918 38>922 64 



Surplus on market valve, 



2,198,»4d 86 
157,474 aO 

$2, 356,421 15 

Surplus on par value, $183,610.00. 

CASH TRANSACTIONS DURING THE YEAR 1018 

RECSIPTS 

Oaah on hand and in bonks or trust companies January 1, 

1W8, before tranfiactionB of the day $129,068 79 

10 [289] 



290 Rbfobt ok SAVDirGfi Bahks 

From depositors, not including dividends credited $130,349 05 

From interest on loans, deposits and investments 99,955 35 

From rents from banking house 1|598 00 

From rents from other real estate 495 00 

From mortgages 55,210 00 

From redemption of stocks and bonds 206, 194 99 

From all other sources, viz.: 

Taxes and insurance refunded 1457 82 

Fixtures sold 15 00 

472 32 

$923,343 50 

PAYMENTS 

To depositors, including dividends paid to them $528,693 33 

For loans on bonds and mortgages 1, 100 00 

For stocks and bonds purchased, including premiimsis, commis- 
sions, etc. (total par value, $205,000) 205,000 00 

For interest (other than dividend payments to depositors) .. 14 75 

For current expenses of the bank, vi2.: 

For salaries |8,800 00 

For taxes : Banking house, 1873.01 ; surplus, 11,343.44 ; 

on mortgages, 15.50 2,221 95 

For expenses, except taxes, of banking house : 

Repairs 44 47 

Insurance '. W.11 

Other 97 79 

For expenses of other real estate, viz. : 

Insurance 860 86 

Taxes 1,028 18 

Other 99 84 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 1,873 34 

10,188 14 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 4,580 24 

Other payments, viz.: 

Taxes and insurance advanced 1333 06 

Cash short 12 00 

345 08 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 173,421 96 

$923,343 50 

STATISTIOAL INFORMATION 

Number of open accounts January 1, 1919 6,038 

Number of accoimts opened or reopened during the year. . . . 439 

Number of accounts closedi during the year 628 

Amount deposited during the year, not including dividends 

credited for that period $430,349 05 

Amount withdrawn during the year 528,693 33 

Amount of dividends credited and paid for the jrear, viz. : 

July 1, l«f8 188,98028 

January 1. 1919 88,922 64 

77,902 87 

Average amount of each account January 1, 1919 364 18 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 ^ 3 and 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 3 and 4 

Total earnings of the bank for the year 1918, after allowing 

for anoortization of premiums and discounts $98,635 32 

Total expenses of the bank for the year 1918 10, 188 14 

Dividenda paid to depositors for the year 1918 77,902 87 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 10,544 31 



TJi-sTEa County 291 

126. KINGSTON SAVINGS BANK, KINGSTON 

[273 Wall street; Incorporated 1S74] 

MIBON TELL.ER. President. V. B. VAN WAGONEN, Vice-President. 

GEOBGB BURGSVIN, Vice-President. CHARLBS TAPPEN, Treasurer. 

TRUSTEES 

JAMES A. BETT8, JOHN E. KRAFT, MYRON TELLER, 

6B0K6E BURGBVIN, D. N. MATHEWS, V. B. VAN WAGONBN, 

2AD0C P. BOICE. ABRAM D. ROSE. LEVAN S. WINNE. 

SAir BERNSTEIN. CHARLES TAPPEN, ERVIN E. NORWOOD. 

EVBBETT FOWLER, 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2,506,048 33 

Stock and bond investinents, viz.: 

Par Original Estimated 

Stoeka and J)ond9 value cost market value 

tnlted States I30O.8S6 00 $300.836 00 3300.836 00 

8Ute of New York 26,000 00 26.843 75 26,260 00 

aues in other States 26,000 OO 26,837 60 26.600 00 

Cities in this State 749,797 02 739,993 37 738.94396 

Conaties in tliis State 20,000 00 19,976 00 19,800 00 

Towns In this State 241,337 00 249,769 62 243,669 00 

TUlages in this State 662.178 98 668,172 86 661,137 82 

School districts in thU State 83.000 00 84,844 20 82,920 00 

12,007,149 00 $2, 014, 772 30 H, 998, 066 28 



1,993,056 28 
Banking house and lot, book value, $25,000.00; cost, $29,- 

034.17; actual cash value 25,000 00 

Other real estate, book value, $1,500.00; cost, $2,484.74; 

actual cash value ., 1 ,500 00 

Cash on deposit in banks or trust companies 247,345 87 

Cash on hand 16,395 07 

Total of collectible interest 68,770 89 

Amount of aU other assets, viz.: 

Land contract $1,200 00 

Taxes and Insurance advanced 497 94 

1,697 94 



$4,859,814 38 



LIABILITIES 

Amount due depositors, viz. : 

PilnciiMl $4,421.98107 

Dividends credited or to be credited! for the six 
months ending with December 31, 1918 86,000 60 



$4,506,990 57 
Surplus <m market value 352,823 81 

$4,859,814 38 



Surplus on par value, $366,916.53. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January I, 

1918, before transactions of the day $350,819 60 

From depositors, not including dividends credited 711,722 10 

From interest on loans, deposits and investments 211,735 12 

From rents from other real estate. 180 50 

From mortgages 98,305 00 

From redemption of stocks and bonds 249, 134 03 

Fronr real estate sold 4,627 08 

$1,626,523 43 



292 Report on Savings Banks 

payments 

To depositors, including dividends paid to them $870, 137 72 

For loans on bonds and mortgages 34,250 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $440,280.16) 440 280 16 

For current expenses of the bank, viz.: 

For salaries 16,200 00 

For taxes : Banking house, 11,008.13 : surplus, $3,249.8$ 4,267 96 

For expenses, except taxes, of banking house: 

Insurance G8 75 

For expenses of other real estate, viz. : 

Repairs 5 10 

Insurance 128 35 

Taxes 217 01 

For other expenses, not including expenses of other 
real estate nor other expenses of banking bouse.. 2,685 88 

13,463 05 

For real estate acquired by foreclosure, or in settlement of 

debts due to the bank 2, 627 OS 

Other payments, viz.: 

Taxes and Insurance adTanced $173 45 

Loss sale real estate 1,85108 

2,024 48 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 263,740 94 

$1,626,523 43 
STATISTICAL IXFOEMATION 

Number of open accounts January 1, 1919 6,813 

Nmnber of accounts opened or reopen<3d during the year 673 

Number of accounts closed during the year 683 

Amount deposited during the year, not including dividends 

credited for that period $711 ,722 10 

Amount withdrawn during the year 870, 137 72 

Amount of dividends credited, and paid for the year, viz. : 

July 1, 1918 $85.806 84 

January 1, 1919 85,009 50 

170,816 34 

Average amount of each account January 1, 1919 661 52 

Number ol accounts which exceeded $3,000, exclusive of divi- 
dends Credited, at the last trial balance of depositors' 

ledgers, except deposits arising ironx society accounts, or 

judicial sales, or trust funds, or by order of a court of record 

or of a surrogate 1 

Total amount of such accounts $6,033 66 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $212,763 65 

Total expenses of the bank for the year 1918 13,463 05 

Dividends paid to depositors for the year 1918 170,816 34 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 28 ,484 26 



Ulsteb County 



293 



127. NEW PALTZ SAVIlfGS BANK, NEW PALTZ 

[Incorporated 1871] 



C. L. VAN ORDBN. President. 
J£SS£ ELTING, Vice-Pres. 



TRUSTEES 



C. I. LbFETVRB, Vlce-Pres. 
H. H. GBIMM. Secretarj. 



JESSE ELTING, 
JOHN J. HULL, 
A. W. WILLIAMS. 
THOMAS SNYDER. 
FRANK J. LEFEYBE. 



ABRAM P. LEFEYBB, 
C. I. LBFBVRB, 
PHILIP DBYO, 
LUTHER HASBROUCK, 
C. L. YAN OBxJEN. 
JO&LkH P. LBFBVRB, 

FINANCIAL 



SIMON DUBOIS. 
HOWARD H. GRIMM. 
EUGENE YAN WAGENBN, 
J. E. HASBBOUCK. JA., 
FRIEND WILKLOW. 



BBSOUBCBS 



Blonds end mortgages 

Stock and bond investmentSy viz. : 

Pnr 
Btoek9 and iHmdt Talne 

rmted states $66,339 44 

State of Idaho 25,000 00 

State of Arixona 10,000 00 

Cities Id other States 17, 000 00 

Cities In this State 259,996 00 

Couties in this SUte 87,000 00 

Tovns in this State 135, 927 85 

Villages in this State 241. 810 00 

fohool districts in this State 01,550 00 

Railroad mortgage bonds 39,000 00 



$972,366 63 



Original 
cost 

966,339 44 
24,660 00 
10,206 50 
16.670 00 

263,490 61 
87,963 30 

138,135 13 

245.596 92 
94.384 64 
37.434 60 



Estimated 
market Talne 

166.339 44 
24,250 00 
10, 2(M) 00 
16.700 00 

261,671 77 
87, 165 00 

134,988 63 

243,353 75 
93,641 50 
26.670 00 



1973.622 29 $984,780 94 1964.933 09 



Banking house and lot, book value, $10,000; coet, $10,007; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz. : Rent accrued 



LIABILITIES 
Amount due depofiitors, vis.: 

Wndpsl $1,896,006 80 

Dfrldends credited or to be credited for libe six 
months ending with December 31. 1918 36. 801 68 



964,983 09 

10,000 00 
80,663 42 
13,383 40 
31,883 70 
80 00 

$2,073,360 24 



Sorplos on market value 



$1,932,708 57 
140,651 67 



$2, 073,360 24 
Surplus on par value, $140,290.87. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $124, 472 13 

From depositors, not including dividends credited 304, 514 03 

From interest on loans, deposits and investments 94,527 82 

From rents from banking house 160 00 

From mortgages 71, 137 60 

From redemption of stocks and bonds 128, 559 66 

From all other sources, viz. : 

Rent safe deposit boxes $367 46 

Liberty Loan payments 43, 565 99 

Insarance and surety bond premium returned 135 51 

^>0g 8 06 

$767,440~00 



294 Report on Savings Banks 

patments 

To depositors, including dividends paid to them f407»260 79 

For loans on bonds and mortgages 66f 750 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc., (total par value, $188,450) 191, 3S6 68 

For interest (other than dividend payments to depositors) . .. 989 11 
For current expenses of the bank, viz. : 

For salaries $3,469 99 

For taxes: Banking house, 1251.39; surplus, $1,288.09 1,489 48 

For expenses, except taxes, of banking house : 

RepiEdrs 79 03 

Insurance 59 40 

Other 211 18 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 1,247 52 

5,556 60 

Other payments, viz. : Loss on mortgage sold 450 00 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 94, 046 82 



$767,440 00 



STATISTICAL INFORMATION 

Number of open accounts January 1, 1919 3, 059 

Number of accounts opened or reopened during the year 250 

Number of accounts closed during the year 301 

Amount deposited during the year, not including dividends 

credited for that period $304, 514 03 

Amount withdrawn during the year 407>28O 79 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 137,02668 

January 1, 1919 36,80168 

73,827 36 

Average amount of each account January 1, 1919 633 05 

Rate per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $93,409 25 

Total expenses of the bank for the year 1918 6, 556 60 

Dividends paid to depositors for the year 1918 73, 827 36 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 13, 025 29 



Ulstee County 295 

128. SONDOUT SAVINGS BANK, KINGSTON 

(20 Ferry street; incorporated 1868] 

J. E. DEHREXBACHER, President. F. H. GRIFFITHS. Vice-President. 

T. C COIKKNDALL, Vice-President. DAYTON MURRAY, BecreUry. 

TRUSTEES 

y. C. COTKSNDALU PRED'K STEPHAN. Jr., JAMES O. ROSE), 

JOHN S. THOMPSON, ALEXANDER A. STERN, HARRY H. FLEMING, 

WESLET D. HALE, J. D. SCHOONMAEER, NICHOLAS STOCK. 

F. H. GRIFFITHS, EDWARD COYKENDALL, 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2, 260, 444 60 

Stod: and bond investments, viz. : 

StocJu and bonds value 

Jnlted States |602,fi00 00 

SUte of Jfew York 20,000 00 

atles in other States 50, 000 00 

Cities in thU State 1.078,754 09 

Coonties in this State 222,000 00 

Towns In this State 73,300 00 

yilages in this State 62. 668 50 

School districts In this State 3,000 00 



Original 


Estimated 


cost 


market value 


1602,600 00 


1602,600 00 


21.725 00 


22,000 00 


62,778 60 


51,000 00 


1,113,948 23 


1,064,525 59 


251.095 20 


218.580 00 


76.001 00 


72,394 00 


55.619 74 


52,562 38 


8,000 00 


3.076 00 



12, 102, 322 69 |2. 176, 767 77 $2, 076, 736 97 



2, 076, 736 97 

Promissorv notes 450 00 

Other real estate, book value, $14,255.19; cost, $15,492.51; 

actual cash value 14, 414 40 

Cash on deposit in banks or trust companies 295, 810 68 

Cash on hand 30, 207 80 

Total of collectible interest 70, 097 28 

Amount of all other assets, viz. : 



Rents $122 50 

Und contract 150 00 



272 50 



$4,748,434 13 
LIABILITIES 



Amount due depositors, viz.: 

Principal 14,309,363 69 

Dividends credited or to be credited for the six 
months endlnir with December 31, 1918 82, 073 92 



4,391,427 61 
Surplus on market value 357, 006 52 

$4,748,434 13 
Sarplns on par value, $382,592.14. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 1918, 

before transactions of the day .' $470, 132 86 

Prom depositors, not including dividends credited 900,968 12 

From interest on loans, deposits and investments 197,429 71 

From rents from other real estate 61 1 00 

From mortgages 216, 717 50 

From redemption of stocks and bonds 342, 769 22 



296 Eeport on Savings Banks 

Prom loans paid $2,200 00 

From real estate sold 4, 620 00 

From all other sources, viz.: 

Surplus sale of real estate |1€8 57 

RecordHnsr, taxes. Insurance, attorneys fees and 

advertising refunded 549 59 

Real estate contract 5 50 

Discount on bonds purchased 4,050 00 

Suspense account 327 64 

6,101 SO- 



$2,140,549 71 

PAYMENTS 

To depositors, including dividends paid to them $940, 610 61 

For loans on bonds and mortgages 46, 680 00 

For loans on stocks and bonds and other securities 2, 650 GO 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $806,811.64) 806, 811 64 

For interest (other than dividend payments to depositors) . . . 1,222 8$ 
For current expenses of the hank, viz. : 

For salaries |6,«W 00 

Fortaxes: Surplus 3.328 46 

For rent of banking rooms 1,800 00 

For expenses of other real estate, viz. : 

Repairs 130 22 

Insurance C 60 

Taxes 463 36 

For other expenses, not includlngr expenses of other 

real estate nor other expenses of banking house.. 2,271 45 

14,800 08 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 707 97 

Other payments, viz.: 

Insurance and taxes advanced f748 50 

Surplus in foreclosure 93 26 

Suspense account 206 44 

1,048 20 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 326, 018 4S 

$2,140,549 71 



STATISTICAL INFORMATION 

Nmnber of open accounts January 1, 1919 7, 178 

Number of accounts opened or reopened during the year .... ©03 

Number of accounts dosed during the year 994 

Amount deposited during the year, not including dividends 

credited for that period $900,968 12 

Amount withdrawn during the year 940, 610 51 

Amount dividends credited and paid for the year, viz.: 

J«ly 1. 1918 $81,349 16 

January 1, 1919 82,013 92 

163, 4» 08 

Average amount of each account January 1, 1919 611 96 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Rate per cent, of dividends to depositors during the six months 

eliding December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $202, 525 36 

Total expenses of the bank for the year 1918 14, 200 OS 

Dividends paid to depositors for the year 1918 163, 423 OS 

liet eaminp^s for the year 1918 over expenses and dividends 

paid to depositors 24, 902 20 



Ulstbb County 297 

120. SAUGBRTIES SAVIH6S BANE, SAUGERTIES 

[244 Main street; incorporated 1871] 

lAHES T. MAXWELL. Viee-Pr«8ldeiit CHARLBS H. LAMB, Vlce-PKS. 

U)IJI8 J. BUTZ£L» Vice-PreBldent J. A. B^BLrlGU, Secretary. 

TRUSTEES 

THW). B. CORNWELL, ORYILLB L, CARN, MARTIN CANTINB. 

U)n8 J. BUTZEL, BYRON L. DAVIS, WILUAM ZIEGLER. 

JAMES T. MAXWELL, JOHN REAMON. HARRY WELLS. 

MYRON REDEIJu. J. C. 6UDEBLET, WINNIE FINCH. 

CHARLES H. LAMB, JOHN A. SNYDER. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $668,579 50 

fitodc and bond investments, viz. : 

Par Original Estimated 

8tadt$ and bonds value cost market value 

tAited Statee $85,834 00 $86.834 00 $85.852 44 

State of New York 10,000 00 10.000 00 10,000 00 

Cities in other States 65.500 00 68.746 10 66.035 00 

Cities la this State 432,844 11 439.888 24 401.035 70 

Coantles In this State 74. 000 00 76.870 3& 74. 160 00 

Towns In this State 160.336 92 162,869 45 163,419 96 

Vniases in this State 400.857 62 406,947 40 400,822 37 

>'^ool districts fn this State 806,600 00 812,656 78 810.462 90 

BAOroad mortgage bonds.... 73.000 00 83,644 55 68,830 00 

$1,607,472 65 $1,646,256 87 $1,580.618 37 



1,530,618 37 

Promissory notes 3,626 00 

Banking house and lot, book value, $3,000; cost, $10,000; 

actual cash value 3,000 00 

Other real estate, book value, $37,725.74; cost, $40,225.74; 

actual cash vahw 37,725 74 

Cash on deposit in banks or trust companies 206 , 740 39 

Cash on hand 13,467 82 

Total of coUectible interest 34,613 66 

Amount of all other assets, viz. : 

Insurance and tax account $164 71 

Land contracU i 1,64000 

Rents due and accrued 265 84 



2,070 55 



$2,450,331 03 



LIABILITIES 
Amoaot due depositors, viz.: 

Principal $2,198,972 14 

Blvidesds credited or to be credited for the six 
BOBtbs ending with December 81, 1918 41,779 68 

$2,240,751 82 

Suiplos on market value 209,679 21 



$2,450,331 03 



Surplus OB par value, $236,433.49. 



298 Report on Savings Banks 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banka or trust companies January 1, 

1918, before transactions of the day $171 ,461 54 

From depositors, not including dividends credited 407,489 61 

From interest on loans, deposits and investments 104,919 70 

From rents from banking house « 8500 

From rents from other real estate 2,067 00 

From mortgages 35,340 00 

From redemption of stocks and bonds 59,460 32 

From loans paid 3, 100 00 

From all other sources, viz. : 

Ininrance and taxes advanced, refunded |733 27 

Repairs 249 17 

Sale of bay. 66 50 

. 1,038 94 



$784,062 II 



PAYMENTS 



To depositors, including dividends paid to themr $462,123 06 

For loans on bonds and mortgages 2,600 00 

For loans on stocks and bonds and other securities 3,525 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $79,834) 79,885 80 

For Interest (other than dividend payments to depositors) . . 200 69 
For current expenses of the bank, viz.: 

For salaries |3,780 00 

For taxes : Banking bouse, I1G7.09 ; surplus, |1, 760.44 ; 

on mortgages, 113.00 1,940 68 

For expenses, except taxes, of banking house : 

Repairs 6 68 

iDBurance 84 81 

Other 160 45 

For expenses of other real estate, viz. : 

Repairs 192 18 

Insurance 67 81 

Taxes 898 97 

Other 662 60 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 1,218 68 

8,327 49 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 4,921 41 

Other payments, viz. : 

Taxes advanced 180 45 

Loans on pass books 8,100 00 

3,180 45 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 220, 198 21 

$784,962 11 

STATISTICAL INFORMATION 

Nimiber of open accounts January 1, 1919 4 , 131 

Nimiber of accounts opened or reopened during the year.... 361 

Number of accounts closed during the year 395 

Amrount deposited during the year, not including dividends 

credited for that period $407,566 93 

Amount withdrawn during the year 462, 123 06 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 141.627 47 

January 1, 1919 41,779 68 

83,407 15 



Ulsteb County 

Average amount of each account January 1, 1919 $542 42 

Bate per cent, of diyidenda to depositors during the six months 

en£ng June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

endmg December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $100,728 98 

Total expenses of the bank for the year 1918 8,327 69 

IH?idends paid to depositors for the year 1918 83,407 15 

l^et earnings for the year 1918 over expenses and dividends 

paid to depositors 8,994 14 



300 Repobt on Savings Banks 

180. ULSTER COUNTY SAVINGS IHSTITUTIOM, KINGSTON 

[280 Wall street; Incorporated 1851] 

WM. C. SHAFBR. President. JOHN B. ALLIGER, Treasurer. 

H. R. BRIGHAM. Vice-President. J. M. BCHAEFFEB. Secretary. 

CHARLES S. WOOD. Vice-President. 

TRUSTEES 

JOHN B. ALLIGER, GEORGE HUTTON, OODBN F. WINNE, 

HARRT R. BRIGHAK, G. D. B. HASBROUCK, DAVID BUBGBVIN, 

HOWARD CHIPP, CHARLES S. WOOD, WM. C. SHAFER. 

PHILIP MJriNQ, J. M. SCHAEFFER, W. R. HARRISON. 

ABRAM V. DEGRAFF, 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2,965,681 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and honda value cost market value 

United States $505,100 00 1505.10000 $605,10000 

Cities in other States 45,000 00 40,166 90 44,700 00 

Cities in this State 1, 125, 974 64 1, 139, 794 03 • 1, 099, 426 51 

Counties in this State 101, 500 00 106. 704 88 100, 660 00 

Towns in this State 214,100 00 217,685 00 211,09100 

Villages In this State 338, 953 44 344. 844 44 336, 393 54 

School districts In this State 127,950 00 127,950 00 126,588 00 

Railroad mortgage bonds.... 150,000 00 144,562 50 120,000 00 

$2, 608, 578 08 $2, 632. 807 75 $2, 543, 959 05 



2,543,959 05 
Banking house and lot, book value, $45,000; cost, $75,000; 

actual cash value 45 , 000 00 

Other real estate,, book value, $9,320; cost, $17,745; actual 

cash value 9,320 00 

Cash on deposit in banks or trust companies 269,637 66 

Cash on hand 59,625 57 

Total of collectible interest 73,384 90 

Amount of all other assets, viz. : 

Insurance and taxes advanced' $4, 8G8 60 

Land contracts 13, 716 00 

Rents accrued 700 00 



19,283 60 



$5,985,891 78 



LIABILITIES 

Amount due depositors, viz.: 

Princll>al $5,590,627 57 

Dividends credited or to be credited for the six 
months ending with December 31 1918 107,222 93 



$5,697,750 50 
Surplus on market value 288, 141 2S 

$5,985,891 78 



Surplus on par value, $352,760.31. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $251,701 09 

From depositors, not including dividends credited 961,468 42 

From interest on loans^ deposits and investments 262, 25S 78 

From rents from banking house 2,217 04 

From rents from other real estate 49ft 00 



Ulster County 301 

hm mortgages $147,610 00 

Irom redemption of stocks and bonds 428,553 30 

From real estate sold 1 ,600 00 

Prom all other sources, viz. : 

Land contracts 11,60000 

Insurance and taxes advanced, refunded 2.668 33 

Profit and loss 6 00 



4,273 33 



$2,060,072 96 

PAYMENTS 

To depositors, including dividends paid to them $1,142,516 64 

for loans on bonds and nrortgages 26, 100 00 

for stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $636,725.10) 536,726 10 

For current expenses of the bank, vise: 

For salaries $7,606 59 

For taxes: Banking house, $1,843.80; surplus, 

J2,6S8.85 4,482 65 

For expensef!, except taxes, of bankinir bouse : 

Repairs 663 57 

Insurance 9118 

For expenses of other real estate, viz. : 

Bepalrs 172 52 

Insurance 08 95 

Taxes 422 59 

For other expenses, not Including expenses of other 
real estate nor other expenses of tanking house.. 5,137 78 . 

18,643 S3 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 2,820 00 

Other payments, vir.: 

Insurance and taxes $3,291 49 

Profit and loss 62 67 

Real estate sold 650 00 



4,004 16 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 329,263 23 

$2,060,072 96 



STATISTICAL INFORMATION 

dumber of open accounts January 1, 1919 9,666 

Xumber of accounts opened or reopened during the year 1,010 

Xumber of accounts closed during the year 986 

Amoont deposited during the year, not including dividends 

credited for that period .' $961 ,468 42 

Amount withdrawn during the year 1,142,516 04 

Amount of dividends credited and paid for the year, viz.: 

Jnly t 1918 $107,466 0» 

January 1, ISB 107,222 9» 

214,689 63 

Avenge amount of each account January 1, 1919 6S9 46 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $263,958 44 

Total expenses of the bank for the year 1918 18,643 83 

Dividends paid to depositors for the year 1918 214,689 53 

^et earnings for the year 1918 over expenses and dividends 

paid to depositors 30,625 08 



WESTCHESTER COUNTY 



131. THE BANK FOR SAVINGS OF 0SSININ6, 0SSININ6 

[Main street ; Incorporated 1864] 

C. T. YOUNG, President DUDLEY B. HOLBROOK. Treasurer. 

GEORGE HYATT, Vice-President. 8ETH G. ELLiBGOOD, Secretary. 

WILBUR F. FOSHAY, Vice-President 

TRUSTEES 

C. TOWNSBND YOUNG. GEORGE HYATT. LOUIS F. WASHBURNB, 

BETH G. ELLEGOOD. DUDLEY B. HOLBROOK, EDWIN U TODD. 

WILBUR F. FOSHAY, JACOB CHADEAYNB. JOHN P. HOBBIB, 

WARREN A. MINER, LEONARD A. BALLARD, WALTER B. MAHONY. 

G. 8. HILLIKER, 

FINANCIAL 

RESOURCEiS 

Bonds and mortgages $2,239,280 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btock8 and bonds value cost market value 

United States $204,386 00 V204.386 00 |204,S86 00 

ClUes in other States 106. 000 00 113, 000 7S 106. 775 00 

aties in this SUte 176,000 00 176,992 36 167,490 00 

Counties In this State 26, 742 00 28, GOO 20 26, 137 00 

Towns in this SUte 38,000 00 40.700 76 39,060 00 

Villages in this State 226, 922 00 231, 077 70 227. 429 00 

School districts in this State 98,460 00 102,488 19 100,890 00 

RaUroad mortgage bonds.... 660,000 00 538,949 67 457,660 00 

$1. 435. GOO 00 11. 496, 194 62 |1, 327, 217 00 



1,327,217 00 
Banking house and lot, book value, $67,000; cost, $79,653.63; 

actual cash value 67,000 00 

Other real estate, book value, $37,634.60; cost, $37,634.60; 

actual cash value 37 ,634 60 

Gash on deposit in banks or trust companies 285,369 33 

Cash on hand 32,513 31 

Total of collectible interest 68,216 02 



$4,057,230 26 



LIABILITIES 
Amount due depositors, viz.: 

Principal $8,666,207 09 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 67,700 82 



$3,633,907 91 
Surplus on market value 423,322 35 

$4,057,230 26 



Surplus on par value, $531,605.35. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and* in banks or trust companies January 1, 

1918, before transactions of the day $343,589 43 

From depositors, not including dividends credited 626,244 92 

[302] 



Westchestee County 303 

From interest on loans, deposits and investments $187,556 62 

From rents from banking house 324 00 

From rents from other real estate 909 98 

From mortgages 227,225 00 

From redemption of stocks and bonds 34,900 00 

From stocks and bonds sold (total par value, $14,800) 14,800 00 

$1,435,549 95 



PAYMENTS 

To depositors, including dividends paid to them $825,023 99 

For loans on bonds and mortgages 40, 162 77 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value $193,669) 193, 669 00 

For interest (other than dividend payments to depositors) .. 24 66 

For current expenses of the bank, viz. : 

For salaries m,250 00 

For taxes : Banking house, $1,475.72 ; surplus, 

14,087.42 5.603 14 

For expenses of other real estate, viz. : 

Repairs 107 65 

Insurance 93 35 

Tkxe» 743 46 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 3,401 29 

21,099 29 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 37,634 60 

Other payments, viz. : 

Profit and loss |25 00 

Insarance 28 00 

53 00 

Cash on hand and in banks or trust companies December 31, 

1918, after transactions of the day 317,882 64 

$1,435,549 95 



STATISTICAL INFORMATION 

Komber of open accounts January 1, 1919 5,811 

Number of accounts opened or reopened during the year 562 

Number of accounts closed during the year 692 

Amoant deposited during the year, not including dividends 

credited for that period $626,244 92 

Amount withdrawn during the year 825,023 99 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 168,577 72 

JaaoaiT 1, 191» 67,700 82 

136,278 54 

Aierage amount of each account January 1, 1919 625 35 

Bftte per cent, of dividends to depositors during the six months 

endmg June 30, 1918 4 

Kate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $185,847 29 

Total expenses of the bank for the year 1918 21,099 29 

Dmdends paid to depositors for the year 1918 136,278 54 

Net earnings for the year 1918 over expenses and dividenda 

paid to depositors 28,469 46 



804 Kepobt on Savings Banks 

132. £ASXCHBSX£R SAYINGS BANK, MOUNT VERNON 

[9 South Third avenue; incorporated 1871] 

GEORGE H. BROWN. President. FRANKLIN T. DAVIS, Vice-President. 

SAMUEL W. BERTINB, Vice-President. OUVER A. WESTFALL. Secretary. 

TRUSTEES 

SAMUEL W. BERTINB, JONAH ROCKETT, MERWIN B. GBNUNG, 

GEORGE H. BROWN, THEODORE TAYLOR. CHARLES F. SHERMAN, 

A. M. CAMPBELL. OLIVER A. WESTFALL, EDWARD W. STORMS. 

FRANKLIN T. DAVIS. ABIAL B. DAVIS, ODELL D. TOMPKINS. 

J. MILFORD McKEE. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $2, 196,550 00 

Stock and bond investments, viz.: 

Par Original Estlmatel 

Stocks and tonde value cost market value 

United! States $321,168 60 1321.169 GO |3a.l69 50 

State of Louisiana 10. 000 00 9, 975 00 10. 300 00 

State of New Mexico 35, 000 00 38. 437 00 37,460 00 

Cities In other States 390,500 00 400,266 41 395,855 00 

Cities In this State 112,308 33 115,777 86 114,349 33 

Towns In this State 55,000 00 57,016 50 56,910 00 

Villages In this State 46.100 00 47,880 36 48.63100 

School districts In this State 90.230 00 95.875 76 96.882 17 

Railroad mortgage bonds.... 523,000 00 478,062 92 401,285 00 

11.588,307 83 $1,564.480 81 $1,482,812 00 



1,482,812 00 

Promissory notes 213 OO 

Banking house and lot, book value, $18,000; cost, $22,984.30; 

actual cash value 18,000 00 

Other real estate, book value, $60,798.25; cost, $60,798.25; 

actual cash value 60,798 25 

Cash on deposit in banks or trust companies 338,448 34 

Cash on hand 13,544 39 

Total of collectible interest 51,065 70 

Amount of all other assets, viz.: 



Insurance premiums advanced $935 86 

Rents accrued 52 00 



987 86 



,162,419 54 



LIABIUTIES 
Amount due depositors, viz.: 

Principal $3.815 189 91 

Dividends credited or to be credited for the six 
months ending with December 31. 1918 68, 932 07 



$3,884,121 98 
6urplil8 on market value 278,297 66 

$4,162,419 54 



Surplus on par value, $378,793.39. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in (banks or trust comrpanies January 1, 

1918, before transactions of the day $371 ,294 62 

From depositors not including dividends credited 1,443,227 29* 

From interest on loans, deposits and investments 200,829 28 

From rents from banking house 1 ,044 00 

From rents from other real estate 3,085 10 

From mortgages 79 , 140 00 

From redemption of stocks and bonds 171,530 00 

From stocks and bonds sold (total par value, $337,292.60) . . 337,869 94 

From loans paid 498 00 

From real estate sold 3, 146 81 



Westchester Countt 305 

From all other sources, viz. : 

Satisfaction pieces, rebate Insurance $23 12 

Profit Liberty Bonds returned 19 98 

Taxes, insurance and Interest 11«4S9 01 

CaA over 569 26 ^,^ ,^, ^^ 

Thrift Stamps 390 00 $12,491 37 

$2,624,165 41 
PAYMENTS = 

To depositors, including dividends paid to them $1,363,210 62 

For loans on bonds and mortgages $2, 150 00 

For loans on stocks and bonds and other securities 711 00 

For stodcs and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $784,382) 785,243 39 

For interest (other than dividend payments to depositors) . . 1,653 27 

For current expenses of the bank, viz.: 

For salaries n4,221 66 

For taxes : Banking house, $371.37 ; surplus, |2,080.02 ; 2,451 39 

IV>r escpenses, except taxes, of banking bouse : 

Repairs 62 54 

Insurance 52 80 

Other 365 06 

For expenses of other real estate, viz. : 

Repairs 407 09 

Insurance 16 56 

Taxes 1,083 09 

Other 6 00 

For other expenses, not Including expenses of other 
real estate nor other expenses of banking house.. 1,348 20 20,014 39 

For real estate acquired by foreclosure, or in settlement of 
debts due the bank 23,743 08 

Other payments, viz. : 

Orertn teller's cash found $G27 60 

Tixes. insurance and interest 12,198 08 

TlJrift Stamps 390 GO 

Lose sale real estate and bonds 2,221 25 ig ao^* »» 

Cflsh on hand and in banks or trust companies December 31, 
1918, after transactions of the day 351 ,992 73 

$2,624,156 41 
STATISTICAL INFORMATION = 

Nomber of open accounts January 1, 1919 9, 182 

Xmnber of accounts opened or reopened during the year .... 1 , 667 

Number of accounts closed during the year 1 , 296 

Anrount deposited during the year, not including dividends 

credited for that period $1 ,443,227 29 

Amofunt withdrawn during the year 1,363,210 62 

Amount of dividends credited and paid for the year, viz.: 

Jnly 1. 1918 $68.079 98 

Jaanaryl, 1919 68.932 07 137,012 06 

Average amount of each account January 1, 1919 423 01 

Kumber of accounts which exceeded $3,0(>0, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
judicial sales, or trust funds, or by order of a court of 

record or of a surrogate 1 

Total amount of such accounts 5 , 778 62 

Kate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

endiiig December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $208,118 03 

Total expenses of the bank for the year 1918 22,235 64 

I>ividends paid to depositors for the year 1918. 137,012 05 

Ket earnings for the year 1918 over expenses and dividends 
paid to depositors 48,870 34 



306 



Repobt on Savings Banks 



133. THE 6REENBUR6H SAVINGS BANK, DOBBS FERKY 

[Main street; incorporated 18G9] 



W. WARD TOMPKINS. President. 
THOMAS liOSEK. Vice-President. 
SYLVESTER BUCKHOUT. Vice-Pres. 



W. HOWARD LOSES. S«cretai7. 
C. Q. STORMS, Treasurer. 



W. W, TOMPKINS. 
THOMAS LOSEB. 
CHARLES G. STORMS, 
SYLVESTER L. STORMS, 
CHARLES H. BEVERS, 



TRUSTEES 



SYLVESTER BUCKHOUT. 
ROBERT DENNISTON. 
MATTHEW ALLISON, 
JEROME BRADLEY, 
WALTER KEYS, 



W. HOWARD LOSEB, 
ANTHONY S. LESTBB, 
BLLERY E. ALBEB, 
WM. L. HAMILL. 
B. WILBUR McDOWELLl 



FINANCIAL 
RESOURCES 



Bonds and mortgages 

Stock and bond investments^ viz.: 

Par 
Stocks and bonds value 

United States $10.834 00 

State of New York 10,000 00 

Cities in otlier States 10, 000 00 

Cities In this State 61,000 00 

Counties In this State 20, 000 00 

Towns in this State 37,000 00 

Vilages in this State 32. 500 00 

School districts In this State 28,000 00 

Railroad mortgage bonds 36, 000 00 



$410,040 00 



Original 
cost 

$10,834 00 
10,693 75 
10,603 60 
63,234 84 
21,326 19 
87.575 98 
33.019 24 
29,005 38 
37,436 75 



Estimated 
market value 

$10,834 00 
11,100 00 
10.300 00 
61,140 00 
20,650 00 
37,610 00 
32.625 00 
29,025 00 
80,960 00 



$245, 334 00 $253, 629 63 $244, 144 00 



Banking house and lot, book value, $7,919.43; cost, $8,000; 

actual cash value 

Other real estate, bock value, $36,823.87; cost, $35,654.87; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other a€sets, viz.: Balance due Liberty Bonds. 



244,144 00 

8,000 00 

35,654 87 
61,143 97 

3,941 77 
15,637 97 

1,860 00 

$780,422 58 



LIABILITIES 

Amount due d'epositors, viz.: 

Principal $704,627 47 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 13,347 31 

$717,874 78 

Surplus on market value 62, 547 80 

$780,422 58 

Surplus on par value, $63,737.80. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $63,905 47 

From depositors, not including dividends credited 202,776 40 

From interest on loans, deposits and investments 40,709 95 

From rents from banking house 440 00 

From rents from other real estate 125 00 

From mortgages 39 , 150 00 



Westchester County 307 

From redemption of stocks and bonds $1 ,000 00 

From real estate sold 3,375 00 

$361,481 82 

PAYMENTS 

To depositors, including dividends paid to them $231,915 98 

For loans on bonds and mortgages 6,250 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $834) 834 00 

For current expenses of the bank, viz. : 

For salaries 13,722 00 

For taxes: Bankinsr site, $183.28; surplas, $547.53.... 730 81 

For expenses, except taxes, of banking house : 

Repairs 83 19 

Insurance 87 12 

Other S3 1« 

For rent of banking rooms 499 95 

For expenses of other real estate, viz. : 

Repairs 10«6 

Insurance 219 48 

Taxes 36 36 

Other 27 50 

For other expenses, not tnclndlng expenses of other 

real estate nor other expenses of banking house. . 1. 021 71 

6,631 94 

For real estate acquired by foreclosure, or in settlement of 

debU due the bank. 39,004 16 

Other payments, viz.: Liberty Bond subscriptions 1,860 00 

Cash on hand and in banks or truet companies December 31, 

1918, after transactions of the day 65,085 74 



$351,481 82 



STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 1 ,882 

Number of accounts opened or reopened during the year .... 232 

Number of accounts closed during the year 247 

Amount deposited during the year, not including dividends 

credited for that period $202,776 40 

Amount withdrawn during the year 231 ,915 98 

Amount of dividends credited and paid for the year, viz.: 

Jaly 1, 1918 113,862 28 

Jannary 1, 1919 13,347 31 

26,709 59 

ATerage amount of each account January 1, 1919 381 44 

Kate per cent, of dividends to depositors during the six nronths 

ending June 30, 1918 • 4 

Bate per cent, of dividends to depositors during the six nronths 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts. $38,555 94 

Total expenses of the bank for the year 1918 6,531 94 

Kvidends paid to depositors for the year 1918 26,709 69 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors 5,314 41 



308 



Eeport on Savings Banks 



134. THE HOME SAYINGS BANK, WHITE PLAINS 

[166 Main street; incorporated 1893] 



DAVID CROMWELL, PreeMent. 
HARRY S. HAMILTON, Vlce-Prea. 
J. T. LOCKWOOD. Vice-President. 



JOHN F. KRKPPS, Secretary. 
ADELBERT T. SHAW. Asst. Secy. 



TRUSTEES 

HENR7 R. BARRETT. HARVEY HUSTBD. 

DAVID CROMWELL, F. HERBERT NOWILL. 

CHARLES J. F. DECKER. AARON RADICK, 
HENRY P. GRIFFIN. EDWARD SCHIRMBR. 

HARRY S. HAMILTON, STEPHEN C. SMITH. 
CHARLES D. HORTON, ELIJAH C. SNIFFBN, 

WM. J. WHITE, 

FINANCIAL 



JOHN F. KRKPPS, 
J. T. LOCKWOOD. 
WILLIAM H. LYON. 
THOMAS SIMPSON. 
HENRY T. KELLY. 
CHARLES J. FRIGGE. 



RESOURCES 



Bonds and mortgages 

Stock and bond investments, viz.: 



$2,005,900 00- 



Stocks and hcnda 

United States 

State of New York 

Cities in other States 

Cities in this State 

Counties in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds — 



Par 

value 

1289.800 00 

15.000 00 

185.000 00 

285.760 00 

39.875 00 

247.700 00 

153.000 00 

.207.416 00 

585,000 00 



Original 

cost 

1289,800 00 

15.300 00 

198.710 93 

280.460 44 

40.415 26 

265.637 80 

162,321 83 

217,888 58 

596.723 76 



Estimated 
market value 
1289.800 00 

14,860 00 
190, 250 00 
272,306 10 

40,92176 
264,420 50 
159.333 50 
210,800 82 
610.490 OO 



$2. 008. 360 OO 12. 066, 748 58 |1, 943, 172 67 



Banking house and lot, book value, $40,000.00; cost, $41,- 
817.90; actual cash value 

Other real estate, book value, $313,615.66; cost $313,804.69; 
actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz.: 

Rentals accrued $1,876 00 

War Savings stamps 200 00 

Insurance premiums advanced 214 42 



1,943,172 67 

40,000 00 

313,615 66 

286.791 54 

29,441 83 

63,429 85 



2,289 42 



LIABILITIES 
Amoimt due depositors, viz.: 

PHnclpol 15,127.451 82 

Dividends credited or to bft credited for the six 
months ending with December 31, 1918 94. 855 81 



$5,584,640 97 



Other liabilities, viz.: 

liiberty Loan subscriptions 

Expenses incurred, but unpaid : 

Interest accrued 

Expenses, other real estate.. 



144,297 50 



$5,222,307 63 



75 00 
976 00 



Surplus on market value. 



45,347 50 
316,985 84 

$5,584,640 97 

Surplus on par value, $382,163.17. ===== 

CASH TRANSACTIOKS DUEIXG THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day '. . . . $200,913 45 

From depositors, not including dividends credited 1,208,146 01 

From interest on loans, deposits and investments 258,494 60 

From rents from banking house 375 00 



Westchester County 309 

From rents from other real estate $16, 196 85 

From mortgages 215,650 00 

From redemption of stocks and bonds 43,455 00 

From stocks and IxMids sold (total par value, $237,450) 237,450 00 

From real estate sold 20,398 00 

From all other sources, viz. : 

Liberty Loan subscriptions $257,288 00 

iDsnnace premiums and taxes retomed 417 G6 

Sile of real estate, smokestack and lumber 1, 867 78 

Betl estate contract 17,000 00 



276,563 44 



PAYMENTS 



$2,567,642 35 



To depoBitors, including dividends jMud to them $1,407,671 04 

for loans on bonds and mx>rtgages 34, 050 00 

For stocks and bonds purchased, including premiums, commis- 

aiong, etc. (total par value, $406,850) 405,850 00 

For interest (other than dividend payments to depositors) . . 1,092 36 

For current expenses of the bank, viz. : 

For salaries 124,195 84 

For taxes : Banking bouse, $697.52 ; surplus, $2,449.77 ; 

CD mortgages, $127.60 8,274 79 

For expenses, except taxes, of banking bouse : 

Repairs 88 15 

Insarance 110 10 

^ Other 97238 

For expenses of otber real estate, viz. : 

Bepairs $.300 14 

Insurance 1,178 50 

Taxea 6,705 84 

„ Other 4,53044 

'or other expenses, not including expenses of other 
real estate nor other expenses of banking bouse.. 4 , 971 20 gj ^^ ^g 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 110,714 00 

Other payments, viz. : 

liberty Loan subscriptions |2S7,663 50 

losaraace premiums 249 GO 

idffitioDs and Improvements otber real estate 2,782 00 

War SaringB Stamps 100 10 240,695 20 

Cash on band and in banks or trust companies December 31, 
1918, after transactions of the day _ 316^233_37 

$2,567,642 3^ 
STATISTICAL INFORMATION = 

Xmnier of c^pen accounts January 1, 1919 13,591 

Number of accounts opened or reopened during the year. . . . 1,420 

Kmnber of accounts closed during the year 1 ,712 

Amount deposited during the year, not including dividends 

credited for that period $1,208,146 01 

Amount withdrawn during the year 1,407,671 04 

Amount of dividends credited and paid for the year, viz. : 

July I, 1918 $95,178 27 

Jaanary 1. 1919 94,855 81 

Credited at otber periods 4J0 190,038 08 

Average amount of each account January 1, 1919 384 24 

^te per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

»*te per cent, of dividends to depositors during the six months 

«nding December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $273,897 54 

Total expenses of the bank for the year 1918 51 ,524 38 

li>ividends paid to depositors for the year 1918 190,038 08 

^*et earnings for the year 1918 over expenses and dividends 

paid to depositors 32,335 08 



310 



Report oisr Savings Banks 



135. PEEKSEILL SAVINGS BANK, PEEKSKILL 

[920 South street: Incorporated 1859] 



FRANK M. DAIN. President. 
FREDERICK LENT. Vice-President. 
EDWARD G. HALSEY, Vice-President 



8ANFORD R. KNAPP, Secretary. 
EDWARD E. YOUNG. Treasurer. 
R. S. ALLEN, Cashier. 



WILLIAM H. CROFT. 
GEORGE W. BUCHANAN, 
ROBERT S. ALLEN. 
EDWARD F. HILL. 
THEODORE F. TOliCPKINS, 



TRUSTEES 

6ANF0RD R. KNAPP, FRANK M. DAIN, 

HENRY L. ARMSTRONG. EDWARD E. YOUNG, 

FREDERICK LENT, J. R. DECATUR. 

OSCAR GRIFFIN, EDWARD JORDON, 

ALONZO SEYMOUR, EDWARD G. HALSEY, 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2,641 , 807 90 

Stock and bond investments, viz.: 



Par 

Btook8 and honda value 

United States $280 750 00 

State of North Dakota 50, 000 00 

State of Wyoming 5,000 00 

Cities in other States 898,500 00 

Cities in this State 289,600 00 

Counties in this State 31,00000 

Towns in this State 67,006 86 

Villages in this State 609. 713 77 

School districts in this SUte 241,796 68 

Railroad mortgage bonds 30, 000 00 



Original 

cost 

1286,643 75 

53,720 00 

6,375 00 

417.848 30 

808.643 84 

81.656 20 

67.526 56 

615.771 84 

244.952 86 

35.CT6 00 



Estimated 

market value 

$282,150 00 

48.500 00 

5,000 00 

894.076 00 

279,498 50 

31.960 00 

66.829 91 

600,743 60 

242,757 49 

28,300 00 



$2, 008, 868 81 $2, 063, 613 84 $1. 976. 814 60 



Promissory notes 

Banking house and lot, book value, $28,675.83; cost $50,- 

411.76; actual cash value , . 

Other real estate, book value, $16,933.92; cost, $16,933.92; 

actual cash value ^ 

Cash on deposit in banks or trust comrpanies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz. : 

Liberty Bonds for subscribers $21,050 00 

Bents due and accrued 187 60 



1,975,814 50 
7,310 00 

30,000 00 

16,687 40 

342,226 97 

24,096 62 

58,207 13 



21,187 50 



LIABILITIES 
Amount due depositors, viz.: 

Principal $4,411,168 32 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 84, 493 17 



$5,117,338 02 



Other liabilities, viz. : 

Liberty Loan club 

Expenses incurred, but unpaid, miscellaneous. 



$5,934 OO 
7 93 



$4,495,661 49 



Surplus on market value. 



5,941 93 
615,734 60 

$5,117,338 02 

Surplus on par value, $643,288.91. ===== 

CASH TRANSACnOXS DURING' THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day ! . . . $345,940 19 

From depositors, not including dividends credited 648, 84S 24 

From interest on loans, deposits and investments 232,800 30 

From rents from banking house 1 ,025 00 



Wbstohbstkb County 311 

From rents from other real estate $622 50 

From mortgages 149 ,135 00 

From redemption of stodcs and bonds 06,824 18 

From stocks and bonds sold 133,050 10 

From loans paid 350 00 

From all other sources, viz.: 

Insorance premium retamed $340 36 

Typewriter and telephone 29 62 

Cuh error 86 00 

Thrift Stamps and Liberty Loan club 6.351 00 

6,805 98 

$1,615,401 49 
PAYMENTS 

To depositors^ including dividends paid to them $802,040 22 

For loans oa bonds and mortgages 27 ,000 00 

For loans on stocks and bonds and other securities 7,660 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $346,140.74) 347,966 69 

For interest (other than dividend payments to depositors) . . . 1,604 22 

For current expenses of the bank, viz. : 

For salaries |11,W8 28 

For tazee: Banking house, |1,019.S2; surplus, 

|B,7S».94; on mortgages, 139.25 6.819 01 

For expenses, except taxes, of banking house : 

Repairs 207 79 

Insurance 96 90 

Other 2,340 08 

For expenses of other real estate, vis. : 

Repairs 68 00 

Taxes 70 67 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 1.703 87 23,149 60 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 16,933 92 

Other payments, viz. : 

Insurance advanced 1195 16 

Cuh short 161 10 

Liberty Bonds and Thrift Stamps 21.467 00 21,823 25 

Gash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 366,323 59 

$1,616,401 49 
STATISTICAL INFORMATION ===== 

dumber of open accounts January 1, 1919 8,680 

dumber of accounts opened or reopened during the year. . . . 782 

Komber of accounts closed during the year 873 

Amount deposited during the year, not including dividends 

credited for that period $648,848 24 

Amount withdrawn during the year 802,040 22 

Amount of dividends credited and paid for the year, viz.: 

July 1. 1918 $85,123 01 

January 1, 1919 84.493 17 

Credited at other periods 46 39 169,662 57 

Average amount of each account January 1, 1919 517 93 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918. 4 

Rate per cent, of dividends to depositors during the six months 

ending December ^1, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiumrs and discoimts $228,779 92 

Total expenses of the bank for the year 1918 23 , 157 63 

Dividends paid to depositors for the year 1918 169,662 57 

^'et earnings for the year 1918 over expenses and dividends 

paid to depositors 36,959 82 



812 Eepoet on Savings Bakks 

136. PSOPLE'S BANK FOR SAVINGS OF NEW ROCHELLE 

[228 Hu^enot street ; Incorporated 1906] 

GEORGE WATSON, President. JOHN F. I«AMBDEN» Vlce-Pnsident. 

SAMUEL F. SWINBURNE, Vlce-Pres. ALJj^RED L. HAMMETT, Secretary. 

TRUSTEES 

W. W. BISSELU GEO. W. MAHLSTBDT, ALFRED L. HAMMETT. 

JOHN CONLON, JOHN F, NEW. HARRY E. COLW^LL. 

R. C. EDDY, GEORGE WATSON, GEORGE WOOD. 

G. F. FLANDRBAUX, SAM'L P. SWINBURNE. HENRY A. DOERING. 

GEO. B. GALGANO, U B. VAN ETTEN. JOHN FARRELU 

WILLIAM KIRCHHOFF, HOWARD R. WARE. OSCAR HEYMAN. 

J. F. LAMBDEN, JOHN H. TROY, W. HOWARD Lb COUNT. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $526,725 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Btocka and bonds value cost market valne 

United States |74,208 00 |74,046 74 |74,208 00 

Cities in this State 26,240 00 25.887 83 25.269 00 

Counties In this State 4.000 00 3,960 00 3,880 00 

Villages in this State 44,200 00 46.676 25 46.057 00 

School districts in this State 33,800 00 37,165 00 36.184 00 

Railroad mortgage bonds.... 104,000 00 101,170 81 88,630 00 

1288, 448 00 |287, 806 63 |273. 228 00 



273,228 00 

Promissory notes 970 00 

Cash on deposit in banks or trust companies 12.862 32 

Cash on hand 4 ,444 49 

Total of collectible interest 7,408 64 

Amoimt of all other assets, viz.: 



Liberty Loan Club 118.275 00 

Furniture and fixtures 1,293 00 



19,668 00 



$845,306 45 



LIABILITIES 
Amount due depositors, viz.: 

Principal 1758.325 86 

Dividends credited or to be credited for the six 

months ending with December 31, 1918 10,790 71 

$769,116 57 

Other liabilities, viz.: Liberty Loan subscriptions 48,000 00 

Surplus on market value 28 , 189 8S 

$845,306 45 



Surplus on par value, $43,409.88. 

CASH TRANSACTIONS DURIXa THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $7,905 67 

From depositors, not including dividends credited 474,866 92 

From interest on loans, deposits and investments 47,073 61 

From mortgages 24,400 00 

From redemption of stocks ajid bonds 3,400 0<) 

From stocks and bonds sold (total par value, $145,350) 147,148 40 

From loans paid 1,999 00 



Westchester CoimTT 8 IS 

From all other aourcea, viz. : 

Sundry receipts $37 41 

Borrowed money 65,000 00 

Liberty Bonds held for subscribers 106,4oO 00 

Received on. Government plan 31,200 00 

$192,687 41 



PAYMBNTS 



,481 01 



To depoeitoTB, including dividends paid to them $519,329 93 

For loanA on bonds and mortgages 4,650 00 

For loans on stocks and bonds and. other securities 2,969 00 

For stocks and bonds purchased, including premiiuns, commis- 
sions, etc. (total par value, $165,800) 164,489 19 

For interest (other than dividend payments to depositors) . . 2,181 84 

For current extJenses of the bank, viz.: 

For salaries |4.««7 «2 

For taxes: Surplus 409 84 

For expenses, except taxes, of banking house : 

Insurance 8 80 

For rent of hanking rooms 1, 821 24 

For otlier expejises. not Including expenses of other 
real estate nor other expenses of banking house.. 1,687 97 

8,665 47 

Other payments, viz. : 

Trustees certificates |C65 71 

Loan 7,000 OO 

Mlscellaneons 238 72 

Liberty Loan payments 172,084 29 

179,988 72 

Ca^ on hand and in banks or trust companies December 31, 

1918, after transactions of the day 17,306 81 



$899,481 01 
STATISTICAL INFOHMATIOX — 

Number of open accounts January 1, 1919 4,361 

Xumbtf of accounts opoied or reopened during the year 1 , 144 

Kumber of accounts closed during the year 692 

^^mount deposited during the year, not including dividends 

credited for that period $474,866 92 

AnTount withdrawn during the year 519,329 98 

Amount of dividends credited and paid for the year, vie.: 

July 1, 1918 111,87370 

Jaaiary 1. 1919 10,790 n 

Credited at other periods 62 77 

22,727 18 

Average amount of each account January 1, 1919 176 36 

Xumber of accounts which exceeded $3,000, exclusive of divi- 
dends credited, at the last trial balance of depositors' 
ledgers, except deposits arising from society accounts, or 
judicial sales, or trust funds, or by order of a eourt of record 

or of a surrogate 1 

Total amount of such accoimts $3, 592 60 

Rate per cent, of dividends to depositors during the six months 

ending June 30, 1918 3% 

Rate per cent, of dividends to depositors during the six months 

ending December 31, 1918 3V^ 

Total earnings of the bank for the year 1918, after allowing 

for amortisation of premiums and discounts $42,951 66 

Total expenses of the bank for the year 1918 8,565 47 

Dividends paid to depositors for the year 1918 22,727 IS 

^'et earnings for the year 1918 over expenses and dividends 
paid to depositors 11 ,659 01 



314 



Eepobt on Savings Banks 



137. PEOPLES' SAVINGS BANK OF THE TOWN OF TONKERS, TONEXSS 

[12 and 14 Getty square; Incoiporated 1866] 

CHARLES E. GOBTOX, President. FRANK R. WHEELER, Treasurer. 

ROBERT H. NEVILLE. Vice-President. ALBERT Bl IX>S!EL, Asst Treasurer. 
ANDREW B. BABR, Vice-President. i 



FRANK E. WHEELER. 
CHARLES B. GORTON, 
ROBERT H. NEVILLE, 
GUSTAV SCHLEUTBR, 
CHARLES E. SKINNBB, 
B. H. GOODWILLIE, 



TRUSTEES 

ANDREW B. BARR, 
ALONZO P. HAZARD, 
ALBERT C. BENEDICT. 
GEORGE H. WARREN. 
JOSEPH MILLER, 



FINANCIAL 
RESOUBCE>S 



RALPH B. HIBBARD, 
LOUIS SPRECKLES, 
WILLIAM HALLBY, 
ARTHUR LAND, 
B. B. EMBREE, 
JAMES C. PULTON, 



Bonds and mortgages 

Stock and bond investment's^ viz.: 



$5,395,550 00 



Btooks and "bondB 



Par 
yalue 



United States 1560,000 00 

State (yf Alabama 17,000 00 

Cities in other Stotes 446. 000 00 

Cities in this State 1,129,585 00 

Counties in this State 47, 060 00 

Towns in this State 441. 686 73 

Villages in this State 984, 490 92 

School districts in this State 401.200 00 

Railroad mortgage bonds.... 60,000 00 



Original 
cost 

1550.000 00 

18.466 00 

466,369 07 

1.156.768 48 

49,138 21 

464,807 24 

1.012.326 Id 

420 920 73 

52,668 75 



Estimated 
market value 

1560.000 00 

16.915 00 

444.420 00 

1.129.484 45 

47.530 60 

442.179 60 

986,732 62 

408,965 60 

43.000 00 



14, 067, 022 65 |4. 181, 463 67 |4, 064. 227 77 



PromiBsory notes 

Banking house and lot, book value, $62,889.64; cost, $61,- 

586.48 ; actual cash value 

Other real estate, book value, $91,490.03; cost, $87,381.08; 

actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz.: 



4,064,227 77 
300 00 

61,500 00 

87,381 08 
541,316 68 
105,100 70 

99,630 77 



Rents due and accrued 

Liberty Loan account 

Insurance premium advanced. 



120100 

99,815 81 

24 75 



100,041 56 
$10,455,018 56 



LIABILITIES 

Amount due depositors, viz.: 

Principal 19,478,789 16 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 176.774 40 



Surplus on market value. 



$9,655,563 56 
799,485 00 

$10,455,048 56 

Surplus on par value, $802,279.88. 

CASH TRANSACTIO^rS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $565,930 45 

From depositors, not including dividends credited 2,095,947 73 



Westchesteb County 315 

From interest on loans, deposits and investments $474,840 $7 

From r^ta from banking house 710 00 

From rents from other real estate 7 , 887 13 

From mortgages 100,650 00 

From redemption of stocks and bonds 229,660 88 

From real estate sold 32,250 00 

From ail other sources, viz.: Payments Liberty Loan Bonds. 413,502 00 



$3,921,378 86 



PAYMENTS 



To depositors, including dividends paid to them $2,132,211 70 

For loans on bonds and mortgages 36,000 00 

For loans on stocks and bonds and other securities 300 00 

For stocks and bonds purchased, including premiums, commis- 

sioM, etc (total par value, $550,000) 650,000 00 

For interest (other than dividend payments to depositors) . . 2,806 08 

For current expenses of the bank, viz. : 

fofttlarles 115,647 76 

For taxes: Banking bouse, |2,414.10; surplus, 17,333.64 9,747 74 
For expenses, except taxes, of banklug house : 

EepaiiB 13 48 

Other 7 73 

For expenses of other real estate, viz. : 

Repairs 3.415 4S 

Insurance ■ 571 10 

Taxes 2,73134 

Other 8,447 66 

For other expenses, not including expenses of other 
letl estate nor other expenses of banking house.. 4,043 32 

39,625 61 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 52, 193 34 

Other payments, viz. : 

Liberty Loan Bonds for customers 1461,800 00 

Inrarance premiums 24 75 

461,824 76 

Cash on hand and in banks or trust companies December 31, 

1916, after transactions of the day 646,417 38 

$3,921,378 86 



STATISTICAL INFORMATION 

Kmnber of open accounts January 1, 1919 18,292 

Xomber of accounta opened or reopened during the year 2,450 

Number of accounts closed during the year 2,481 

Amount deposited during the year, not including dividends 

credited for that period $2,095,947 73 

Amount withdrawn during the year 2, 132,211 70 

Amount of dividends credited and paid for the year, viz. : 

in\j X 1318 $175,574 51 

January 1, 1919 176,774 40 

352,348 91 

Average amount of each account January 1, 1919 532 19 

Rat« per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Hate per cent, of dividends to depositors during the six months 

ending December 31 1918 4 

7otal earnings of the bank for the vear 1918, after allowing 

for amortization of premiums and discounts $475,517 41 

TGtal expenses of the bank for the year 1918 41,378 55 

Dividends paid to depositors for the year 1918 352,348 91 

Net earnings for the year 1918 over expenses and dividends 

ptid to depositors 81 ,789 95 



316 



Repoet on Savings Banks 



138 THE PORT CHESTER SAVflfCS BAlfK, PORT CHESTER 

[Corner North Main and Wlllett streets; inoorporated 1885] 



WILLIAM RYAN» President. 
ELLWOOD BURDSALL. Vlce-Pres. 
JOHN W. Mccarty. Vlce-Pres. 



ROBERT B. M. COOK, Becretazy* 

JOHN W. DIEHU Cashier. 

GEORGE A. STUDWELL. Asst. Cashier. 



WILLL4M RYAN, 
ELLWOOD BURDSALL, 
H. L. MARSHALL. Jb., 
JOSIAH N. WILCOX. 

JOHN w. Mccarty, 



TRUSTEES 

CHARLES H. TIBBITS, 
ROBERT BL M. COOK. 
LEAXDER HORTON. 
THOMAS BYRNES, Jb. 
SAMUEL GLOCK. 
ARTHUR B. WILCOX. 

FINAN^CIAL 
RESOURCES 



JOHN W. DIEHU 
JOHN W. RYAN. 
DeWITT H. LYON. 
H. RUSSELL RBQUA. 
PHILIP B. MALLORY, 



Bonds and mortgages 

Stock and bond investments, viz.: 



12,411,807 00 



Stocks and honde 

United' States 

State of New York 

Cities in other States 

Cities in this State 

Counties in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds 



Par 
value 

$666,064 61 

40,000 00 

121,000 00 

659,832 96 

86,000 00 

82,078 25 

223,025 00 

126,425 00 

436.000 00 



Original 
cost 

$661,894 61 

40.287 60 

123,724 25 

673,992 99 

90,156 08 

82,546 16 

226.508 06 

130,316 02 

436,026 35 



Estimated 
market value 

$666,084 61 

39,900 00 

120,375 00 

651,630 00 

86,580 00 

80,957 47 

222,481 15 

124,295 25 

366,170 00 



$2, 340. 445 82 $2, 365. 451 01 $2, 268, 473 48 



Banking house and lot, book value, $25,000.00; cost, $44,- 
682.06 ; actual cash value 

Other real estate, book value, $9,936.43; cost, $10,662.71; 
actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand > 

Total of collectible interest 

Amroimt of all other assets, viz.: Taxes advanced for mort- 
gagor 



2,258,473 48 

25,000 00 

9,936 43 

171,505 24 

30,133 42 

42,066 44 

609 26 



$4,949,531 27 



LIABILITIES 

Amount due depositors, viz.: 

Principal ^... $4,471,419 77 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 82,656 20 

$4,554,075 97 

Other liabilities, viz.: Partial Payment on Liberty Bonds. . . . 64,924 00 

Surplus on market value 330,551 30 



»4,949,sai 27 

Surplus on par value, $412,503.64. 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $195 » 837 19 

From depositors, not including dividends credited 1,069,013 19 

From interest on loans, deposits and investments 228,695 19 

From rents from other real estate 1 ,224 CO 



Westchester County 317 

■ 

From mortgagee $78,749 00 

From redemption of stocks and bonds 313, 35S 47 

From all other sources^ viz. : 

Liberty Bond payments $247,791 00 

Taxes repaid by mortgagor 63 76 

Profit and loss 12 52 

247,857 28 



$2,134,734 32 

PAYMENTS 

To dspositors, including dividends paid to them $1,050,923 09 

For loans on bonds and mportgages 4,400 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc (total par value, $855,823.41) 851,633 41 

For interest (other than dividend payments to depositors) . . 4,534 00 

For cuireat expenses of the bank, viz. : 

For salaries $U.ffr6 65 

For taxes : Banking house, 11,087.16 : surplus, $2,969.55 4,056 71 

For expenses, except taxes, of banking house : 

Other 1,084 72 

For expenses of other real estate, viz. : 

Repairs 397 30 

Insurance 66 00 

Taxes 24194 

Other 476 39 

For otber expenses, not Including expenses of other 
real estate nor other exi)egD8es of banking house.. 2,941 53 

20,941 24 

Other payments, viz. : Taxes advanced for mortgagor 663 02 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 201,638 66 



$2,134,734 32 



statistical information 



Xomber of open accounts January 1, 1919 9,300 

Xumber of accounts opened or reopened during the year 1,393 

Number of accounts closed during the year 1 , 637 

Amount deposited during the year, not including dividends 

credited for that period $1,069,013 19 

Amount withdrawn during the year 1,050,923 99 

Amount of dividends credited and paid for the year, viz. : 
Joly 1, 1918 $81,932 21 

January 1, 1919 82,656 20 

164,588 41 

Average amount of eacli account January 1, 1919 489 68 

Bate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $224 , 645 76 

Total expenses of the bank for the year 1918 20,910 04 

Dividaids paid to depositors for the year 1918 164,588 41 

^'et earnings for the year 1918 over expenses and dividends 

paid to depositors. .'. 39, 147 31 



318 



Report on Savings Banks 



139. TH£ UNION SAVINGS BANK OF WESTCHESTER COXnfTT» 

MAMARONECE 

[GO West Post road; incorporated 1887] 



REUBEN O. BREWER. President 
CHARLES FIELD GRIFFEN, Vlce-Prei. 
WILLIAM A. BOYD, Vlce-Pres. 



GEO. L. LYON, Treasurer. 
ELISHA H. GEI»^Y, Asst Tress. 



BRADFORD RHODES. 
WILLIAM A. BOYD. 
REUBEN O. BREWER. 
CHAS. FIELD GRIPFEN, 
BURTON C. MEIGHAN, 



TRUSTEES 

WILLIAM R. BULL, 
EDWIN T. CORNELL, 
GEORGE U LYON, 
DANIEL WARREN. 
CHARLES C. HOLDEN, 

FINANCIAL 



CHARLES M. BAXTER, 
PATRICK H. COLLINS. 
SAMUEL R. BELL. 
EDWARD M. CLARK, 
HUGH S. JARVIS. 



RESOURCES 



Bonds and mortgages 

Stock and bond investments, viz.: 



$516,723 58 



Btoeks and Jronds 

United States 

State of New York 

Cities in this State 

Counties in this State 

Towns in this State 

Villages in this State 

School districts in this State 
Railroad mortgage bonds.... 



Par 
value 

1122,600 00 
10,000 00> 
10,000 00 
2.000 00 
21,445 12 
83,307 00 
18,000 00 
158,000 00 



Original 
cost 

1122, 066 a 
10.800 00 
10.275 00 
2,087 04 
21,777 00 
84,440 66 
18,360 87 
155,861 25 



Estimated 
market value 

1122,500 00 

9,900 00 

9,800 00 

2.080 00 

21,876 00 

84,219 00 

17,710 00 

138,010 00 



1426, 252 12 |425, 157 83 |406, 626 00 



Promissory notes 

Other real estate, book value, $5,181.40; cost, $5,181.40; actual 

cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz. : Land contracts 



405,625 00 
3,745 00 

5,181 40 
66,725 00 

1,914 30 
11,779 74 

3,628 05 



$1,015,322 07 



LIABILITIES 



Amount due depositors, viz.: 



Principal 1920,036 45 

Diyidends credited or to be credited for the six 
months ending with December 31, 1918 16,872 72 



Other liabilities, viz.: Expenses incurred, but unpaid, Tax on 

surplus 

Surplus on market value 



$936,909 17 

350 00 
78,062 90 



$1,015,322 07 

Surplus on par value, $98,690.02. 

CASH TRANSACnOXS DUMXG THE YEAR 1918 

RBCBIPTS 

Cash on hand and in banks or trust companies January 1, 

1918, before transactions of the day $118,299 97 

From depositors, not including dividends credited 276,772 92 

From interest on loans, deposits and investments 47,668 75 

From rents from other real estate 271 60 

From mortgages 32,550 OO 



Westchester County 319 

From redemption of stocks and bonds $81 , 825 57 

From loans paid 5,400 00 

From real estate 'sold 150 00 

From all other sources, viz. : Land contract 825 00 



$563,263 71 

PAYMENTS 

To depositors, including dividends paid to them $296,990 22 

For loans on bonds and mortgages 4,000 00 

For loans on stocks and bonds and other securities 9,145 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $174,250) 174,816 61 

For interest (other than dividend payments to depositors) . . . 127 78 
For current expenses of the bank, viz. : 

Por salaries |4,700 00 

For taxes: Surplus &74 97 

For expenses, except taxes, of banking house : 

Repairs 190 68 

Insurance 6 60 

Other 27071 

For rent of banking rooms 660 00 

For expenses of otnier real estate, viz. : 

Repairs 90 25 

Tixes 149 U 

For other expenses, not including expenses of other 
real estate nor other expenses of banking house.. 790 9S 

7,373 20 

Tot real estate acquired by foreclosure, or in settlement of 

debts due the bank 2, 162 60 

Cash on hand and in banks or trust companies December 31, 
1918, after transactions of the day 68,639 30 



$563,263 71 



STATISTICAL INFORMATION 

Xumber of open accounts January 1, 1919 2,655 

Number of accounts opened or reopened during the year. . . . 428 

Number of accounts closed during the year 406 

Amount deposited during the year, not including dividends 

credited for that period $276,772 92 

Amount withdrawn during the year 296,999 22 

Amount of dividends credited and paid for the year, viz.: 

July 1, 191« 117,002 15 

January 1, IMS 16,872 72 

33,874 87 

Average amount of each account January 1, 1919 315 20 

Hate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiimrs and discounts $49,340 73 

Total expenses of the bank for the year 1918 7,373 20 

Dividends paid to depositors for the year 1918 33,874 87 

Net earnings for the year 1918 over expenses and dividends 
paid to depositors 8,092 66 



320 



Report on Savings Bakks 



140. WESTCHESTER COUNTY SAVINGS BANK, TARRYTOWH 

[Broadway and Main street; incorporated 1853] 



ISAAC RBQUA. President. 
RICHARD B. COUTANT. Vlce-Prea. 
MOSB8 W. TAYLOR, Vice-President. 



ELiMORE T. WILLSEA. Treasurer. 
CHARLES A. WOOD, Secretary. 



RICHARD B. COUTANT, 
MOSES W. TAYLOR. 
ISAAC RJDQUA, 
ELMORE T. WILLSEA, 



TRUSTEES 

CHAS. BDDISON, 
WM. A. BURNHAM, 
GEORGE S. WOOD. 
B. F. TOMPKINS, 
MICHAEL J. LYNCH. 

FINANCIAL 
RESOURCES 



HERBERT A. REYNOLDS. 
CHARLES C. BRACE, 
EDGAR ALLEN, 
H'M. H. VINALL, 



Bonds and mortgages 

Stock and bond investments, viz.: 

Par 
Stocks and l^onds value 



$2,095,223 70 



United States 

District of Columbia 

Cities In other States 

Cities in this State 

Counties in this State 

Towns In this State 

Villages in this State 

School districts In this State 
Railroad mortgage bonds 



Ul&.OOO 00 

50.000 00 

U6.000 00 

640.000 00 

60.000 00 

15.000 00 

316.000 00 

14,000 eo 

792,000 00 



Original 
cost 

$lld,a43 75 
48,100 00 

123,228 00 

658,781 18 
52,210 00 
15,000 00 

323,307 40 
13,264 00 

835,607 GO 



Estimated 
market value 

$U7,100 00 
50.500 00 

116.560 00 

«2»,375 00 
«7,000 00 
14.550 00 

314,090 00 
13,770 00 

7<£,920 00 



^,108,000 00 12.190,84183 12,008,865 00 



Banking house and lot, book value, $25,000.00; cost, $37,- 
365.32 ; actual cash value 

Other real estate, book value, $252,704.69; cost, $242,546.60; 
actual cash value 

Cash on deposit in banks or trust companies 

Cash on hand 

Total of collectible interest 

Amount of all other assets, viz. : Land contract 



LIABILITIES 

Amount due depositors, viz.: 

Principal 14,012,087 29 

Dividends credited or to bo cr(»rtltod for the six 
mouths ending with Decentb«r 31, 1918 76.?73 66 



2,008,865 00 

25,000 00 

242,546 66 

387,652 10 

68,302 02 

91,420 71 

9,780 85 

$4,928,791 04 



Surplus on market value. 



$4,088,310 95 
840,480 09 

$4,928,791 04 



Surplus on par value, $939,615.09. 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Oaah on hand and in banks or trust companies January 1, 

1918, before transactions of the dty 

From depositors, not including dividends credited 

From interest on loans, deposits and investments 

From rents from other real estate 

From mortgages 

From redemption of stocks and bonds 

From loans paid 

From real estate sold 



$443,856 82 

598,174 20 

226,286 95 

7,005 55 

66,600 GO 

25,500 00 

2,250 00 

100 50 



Westcuestek County 321 

From all other sources, viz.: 

Cash oyer $5 89 

Insoraace dividend and wotei rebate 68 77 

On accoant of loss on contract 118 63 

8193 31 

$1,369,907 33 

PAYMENTS 

To depositors, including dividends paid to thenr $847,111 40 

For loans on bonds and mortgages 7 ,400 00 

For loans on stocks and bonds and other securities 2,250 00 

For interest ( other than dividend payments to depositors ) . . 3 70 
For current expenses of the bank, viz.: 

Forsalaries $10,54000 

For Uzes: Banking house. $584.23 ; surplus, $7,997.35; 8.581 68 

For expenses of other reel estate, viz. : 

Repairs 4,386 08 

Insurance 900 81 

Taxes 5,806 11 

For other expenses, not Inclndini? expenses of other 
real estate nor other expenses of banking house.. 2,278 15 

32,492 73 

For real estate acquired by foreclosure, or in settlement of 

of debts due the bank. /. 24,523 93 

Other payments, viz. : 

Cash thort $166 49 

Insurance advanced 64 96 

231 45 

Cash on hand and in t>anks or trust companies December 1, 

1918, after transactions of the day 455,954 12 



$1,369,967 33 



STATISTICAL IXFORMATION 



yiimber of open accounts January 1, 1919 C , 800 

Number of accounts opened or reopened during the year .... 712 

Kumber of accounts closed during the year 715 

Amount deposited during the year, not including dividends 

credited for that period $598,174 20 

Amount withdrawn during the year 847 ,111 40 

Amount of dividends credited and paid for the year, viz. : 

Jnlj 1, 1918 $77,97034 

January 1, 1919 76,273 66 

154,244 00 

Average amount of each account January 1, 1919 600 10 

fiate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

^te per cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiimis and discounts $233,776 55 

ToUI expenses of the bank for the year 1918 32 ,492 73 

l>iTidend8 paid to depositors for the year 1918 154,244 00 

5^et earnings for the year 1918 over expenses and dividends 
paid to depositors' 47,030 82 



11 



i 



322 Keport on Savings Banks 

141. YONKERS SAVINGS BANE, YONKERS 
[16 South Broadway ; incorporated 1854] 

ALBERT L. SKINNER, President. JAMES E. HOWES. Treasurer. 

JOHN O. CAMPBELL, Vice-President. JOHN BELLOWS. Secretary. 

BENJAMIN W. STILWELL, Vice-Pres. RUDOLF EICKEMEYER. Secretary. 

WM. W. 8CRUGIIAM, Vice-Pres. A. B. CUNNINGHAM. Cashier. 

TRUSTEES 

R. EICKEMEYER, WM. M. DICK, N. A. WARREN, 

ALBERT L. SKINNER, JOHN BELLOWS, WM. L. SAUNDERS. 

HARRY L. TWINE. WM. W. SCRUGHAM. EDWARD A. FITCH. 

JOHN O. CAMPBELL, L. J. SCHLESIN6ER. WILLIAM J. WALLIN. 

WM. V. CAMPBELL, CHARLES H. KETCHAM, HERBERT G. GOLDIXG, 

BENJ. W. STILWELL, JOSEPH E, THOMPSON. 

FINANCIAL 

RESOURCES 

Bonds and nrortgages $5 ,594 ,550 00 

Stock and bond investments, viz.: 

Par Original Estimated 

Stocks and honda value cost market value 

Cities in other States 1,206,000 00 1.270,565 77 1,220,375 00 

Cities in this State 939, 200 00 961. 997 51 940. 54€ Ot> 

Counties in this State 77,560 00 80.196 00 80,464 30 

Towns in this State 152,159 32 15B,983 43 154,288 r,0 

Villages in this State 110, 500 00 113. 233 92 112. 335 00 

School districts in this State 113,250 00 115.731 40 113.900 00 

Railroad mortgage bonds.... 1,348,000 00 1,374,456 52 1,219,630 00 

13.915.669 32 $4,073,164 5G $3,841,538 80 



3,841,538 80 
Banking house and lot, book value, $100,000; cost, $100,000; 

actual cash value 100,000 00 

Other real estate, book value, $85,068.46; cost, $86,068.46; 

actual cash value 85 ,06S 46 

Cash on deposit in banks or trust companies 613,391 27 

Cash on hand 84,411 96 

Total of collectible interest 91,262 34 

Amount of all other assets, viz. : 



Rents due 1895 85 

Liberty Loan accounts 711, 100 00 



711.495 S5 



$11,121,718 68 



LIABILITIES 
Amount due depositors, viz.: 

Principal $9,869,809 30 

Dividends credited or to be credited for the six 
months ending with December 31, 1918 184,933 69 

$10,054,742 0?> 

Surplus on market value 1 ,066.075 69 



$11,121,718 6S 
Surplus on par value, $1,171,106.21. 

CASH TRANSACTIOXS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or trust companiejs January 1, 

1918, before transactions of the day $633,200 24 

From depositors, not including dividends credited 2,146.406 OS 

From interest on loans, deposits and investments 511,139 17 



Westchester County 323 

From rents from banking house $4 , 729 55 

From rents from other real estate 10,637 50 

From mortgages 159 ,475 00 

From redemption of stocks and bonds 386,550 00 

From real estate sold 12,042 50 

From all other sources, viz. : 



Ul>erty Bonct account |3T7,275 00 

Bankers Fidelity and Casualty Co 8,36163 



385,636 6 J 



$4,249,997 67 



PAYMENTS 

To depositors, including dividends paid to them $2,281,799 10 

For loans on bonds and mortgages 15, 100 00 

For stocks and bonds purchased, including premiums, commis- 
sions, etc. (total par value, $200,000) 200,000 00 

For current expenses of the bank, viz. : 

For salaries $16.99174 

For taxes : Banking house, $3. 510.91 ; surplus. $9,651.24 13,162 15 

For eTpeiiSea, except taxes, of banking bouse : 

Repairs 1,286 29 

iDsurance 170 50 

Other 2,75088 

For expenses of other real estate, viz. : 

Repairs 1,920 90 

Insurance ^ 90 92 

Taxes 2,500 16 

Other 4,44566 

For other expenses, not including expenses of other '^-' 

real estate nor other expenses of banking house.. 7,164 24 

60,483 44 

For real estate acquired by foreclosure, or in settlement of 

debts due the bank 21 , 055 80 

Other payments. Viz. : Liberty bond account 983,756 00 

Cash on hand and in banks or trust companies December 31, 

1018, after transactions of the day 697,803 23 



$4,249,997 57 



STATISTICAL INFORMATION 



Number of open accounts January 1, 1919 20,481 

Number of accounts opened or reopened during the year.. . . 3,577 

Number of accounts closed during the year 3,235 

Amount deposited during the year, not including dividends 

credited for that period ' $2, 146,496 98 

Amount withdrawn during the year 2, 281 , 799 10 

Amount of dividends credited and paid for the year, viz. : 

July 1, 1918 $185.034 62 

Janoary 1, 1919 184,933 69 

369,968 31 

Average amount of each account January 1, 1919 490 93 

Kate per cent, of dividends to depositors during the six months 

ending June 30, 1918 4 

Bate fjer cent, of dividends to depositors during the six months 

ending December 31, 1918 4 

Total earnings of the bank for the year 1918, after allowing 

for amortization of premiums and discounts $531,979 77 

Total expenses of the bank for the year 1918 50,483 44 

Dividends paid to depositors for the year 1918 369,968 31 

Net earnings for the year 1918 over expenses and dividends 

paid to depositors Ill ,528 02 



STATEMENT 



OF THE 



Condition of the Savings Banks 



OF THE 



STATE OF NEW YORK 



ON 



July 1, 1918, and January 1, 1919 



[3251 



Repoet OS Savings Banks 





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Seui-A;<hual Statement 









5! =1--^^^ 



2s sS Ss 2 isi ^'3 S I M^ ^'S 3 s " i 



liriii 



iissssiaiiisisseasiisi 



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a 

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1 


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s 


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IHlHJi 


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S-S.^1S^* 






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4 


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=as-- =-S— 55 - = t— - 


1 




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3 






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s 


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1 






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g|gSi=l8SiBSilSi;ilsS5585§6§ 


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1 

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334 



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ii 



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335 



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CI 



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30 



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r- <*• cj 20 -^ -I 
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ci 

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gf,SHM-?s.RI-i§S|ssaiiSSilisSl 



348 



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360 



REPORT ON Trust Companies 



i 



m 



STATEMENT OF SECURITIES 

Held by the Superintendent of Banks in trust for the creditors of 
and depositors with the trust companies and two investment com- 
panies of this State, January 1, 1919 

Amount of 
Names or Companieb and Descbiptiox of Bonds bonds held 

Adirondack Trust Co.. Saratoga SpriMs. New York City 3§ per cent $2,5,000 00 

Albany Trust Co.. The, Albany. New York City 3i per cent 50.000 00 

Auburn Triist Co., Auburn. New York City 4* per cent $30,000 00 

Auburn Trust Co., Auburn, New York City 4} per cent 2.000 00 

32,000 00 

Bankers Trust Company of Buffalo. New York City 4 per cent $100,000 00 

Bankers Trust Company of Buffalo. New York City 4i per cent 100.000 00 

Bankers Trust Company of Buffalo, Buffalo City 4§ per cent 6.000 00 

206,000 00 

Bankers Trust Co.. New York, New York State 3 per cent $985,000 00 

Bankers Trust Co., New York, New York State 4 per cent 30,000 00 

Bankers Trust Co., New York, New York City 4i per cent 32.000 00 

Bankers Trust Co., New York, New York City 4 J per cent 170.000 00 

1.217.000 00 

Brooklyn Trust Co., Brooklyn, New York City 4J per cent 150.000 0) 

Buffalo Trust Co., Buffalo. United States 3* per cent $10,000 00 

Buffalo Trust Co.. Buffalo, New York City 4 per cent 40.000 00 

Buffalo Trust Co., Buffalo, New York City 4J per cent 10,000 00 

60.000 no 

Central City Trust Co., Syracuse, New York City 4i per cent 50.00000 

Central Union Trust Co. of New York, New York State 4 per cent. 12,000 00 
Central Union Trust Co. of New York. New York Citv 3 per cent. . 222,000 00 
Central Union Trust Co. of New York. New York City 34 per cent. 162,000 00 
Central Union Trust Co. of New York, New York City 41 per cent. 1,000.000 00 

1.396.000 00 

Chemung Canal Trust Co., Elmira, New York City 3| per cent $37,000 00 

Chemung Canal Trust Co.. Elmira, Rochester City 3i per cent 30.000 00 

67.000 00 

Citizens Commercial Trust Co.. Buffalo. New York City 4i per cent 125.000 00 

Citizens Trust Co. of Fredonia. Jamestown City 4 J per cent $10,000 00 

Citizens Trust Co. of Fredonia. New York City 4 per cent 10,000 00 

Citizens Trust Co. of Fredonia. Troy City 4 J per cent 2,000 00 

22.000 00 

Citizens Trust Company of Patchogue, New York City 4i per cent 20,000 00 

Citizens Trust Co. of Schenectady. New York City 3i per cent 36.000 00 

Citizens Trust Co. of Utica. New York City 3i per cent $30,000 00 

Citizens Trust Co. of Utica, Utica City 4 per cent 8.000 00 

38,000 00 

City Trust Co., Buffalo. Buffalo City 34 per cent 60,000 00 

Columbia Trust Co., New York, United States 4i per cent 550,000 00 

Columbus Trust Co., Newburgh, New York City 3 per cent $25,000 00 

Columbus Trust Co., Newburgh, New York City 4 per cent 12,500 00 

37.500 00 

Commercial Trust Co., New York, New York City 4 per cent $100,000 00 

Commercial Trust Co., New York. New York City 4 J per cent 0,500 00 

106.500 00 

Continental Guaranty Corp., New York. New York State 4 per cent $1 ,000 00 
Continental Guaranty Corp.. New York. New York City 4} per cent 100.000 00 

101.000 (iO 

Corporation Trust Co.. New York, New York City 4i per cent 120,000 tW 

Cortland Trust Co . Cortland. New York City 4 per cent 20,000 O-'l 

County Trust Co., The. White Plains. New York City 3J per cent 25.000 00 

Empire Trust Co., New York. New York City 3i per cent $100,000 00 

Empire Trust Co., New York, New York State 4 per cent 76,000 00 

175,000 00 

Equitable Trust Co. of New York, New York City 4i per cent 310,O(X) (ml 

Erie County Trust Co., East Aurora. New York City 4* per cent 20, GOO 00 

Farmers Loan & Trust Co., The, New York, New York City 4 per 

cent $198,000 00 

Farmers Loan A Trust Co., The. New York. New York City 41 per 

cent 322,000 00 

520.000 00 

Fidelity Trust Co. of Buffalo, The, Buffalo, New York City 3) per 

cent $4,000 00 

Fidelity Trust Co. of Buffalo. The. Buffalo. Buffalo City 4i per cent. 50,000 00 
Fidelity Trust Co. of Buffalo, The. Buffalo, United States 41 per 

cent 100.000 00 

154,000 00 



STATBHSNT OF SBCDKmSS HELD BT SUPT. OF BAKES — CorUijmfid 

■ucupTiOH or BoHM baoda beld 

CUy^percenl tl 00. 000 00 

City 4f per eent 10.000 00 

»1 10.000 00 

Fidrlity TruBl Co. of Etwheiter. New York City 31 per Mnt tSO.OOO 00 

RdfUiy Tra.t Co. of Roch»t«. New Yorli City 4 per ceot 5,000 00 

55,000 00 

Pint TriKt Co. of Tonawud*. Tbf>. Toimininda, Nev York City 4 par cent SS.OOO 00 

Fint Tnwt Co. of Wellnille, New Yoik. The. Wollnriile. New York State 4 

prrnat 21.00000 

FnnUiD Truit Co.. Brooklyn. Nnu York City 3) per e*at 1*), 000 00 

Fullon T™»1 Co.. New Votk, New York City 2J per cent (12.000 00 

PuiiooTruUCo.. NewYork. New York City 4 per cent 100,000 00 



^fUTMr Vkiiey Trust Co.. Rocbuter. United StslM 41 per e«nt . . 
Il-U Fill* Truit Co., Glena Fslb. Muldletown City 3(per cent. . 
■.ita FiUa Tnul Co.. Glent FaJi*. New York City 3| per rent. .. . 






City 41 per < 
rork St>te 4 
, 41 per «nl 
York SUtf 



HaiMn Trust Co., y 4 per cent 

HuciKoot Tnul Co.. New Rorbellc. New York City 4J pi 

^ Y"k CifJ 4'pS'4S?': 
w York City H per cent. 

-- -« York Clly4» percent. 

ii-iug Trust Co.. New York. United Slkte* 2 per cent. . . . 

lulun Diar-ount End TruM Co.. New York, No 
Jllui-s Truat Co., Itbaca, New York State 41 p< 
litaan Truat Co.. Illian, New York City 31 pe 
hbica Truat Co.. Ilhaca. New York City 4 per 

Kinn County Truat Co., Brooklyn, City or Bra 
Kit«i Conniy Trnal Co., Brooklyn. New York 



!e A Trwat Co., New York, 

w York State 3 



* York City 41 per 
















oklynSi per cert... 
;ily4percent 


ipo.ooooo 


[Ciljll'^r'^nt: 


(20.000 OO 
2.000 00 


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irk City 41 per cent. 


: 200:00000 


^|cm.nt^y_n ^r c 




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. New York, N. 




■ork City 3 per 


Mercantile Tnul * I>epoait Co. 


, New York, Ne 




ork City 3J per 


Mercantile Tniat Ic D^oni Co. 


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fork City 4 per 




I, N. 


ew York City a" 


-Metfopolitu f raw Co, of the Ci 


ty of Nm. York 


.N. 


w York City 31 



MgntpxaerT Counly Truat Co.. Aniati 



MntiiaJ Truat Co. of Wtatchstar County, New York City 3) per 

cent (4.000 Oi 

Mutual Truat Co. of WtwlchMter County. New York City 41 per 

cent 30.030 Oi 

N'aaaau County Tnial Co., Mineola. Now York City 41 per cent 

New Rocbelle Tr™t Co,, New Roebelle. New York Cily 31 per cent 

New York Lile Inaurancc A Truat Co.. The. New York. New York 

City 31 per «nt (100,030 O 

Ntw Yorii^e Inauranee A Truat Co.. The, Ne* York, New York 



362 



Kepoet on Trust Companies 



STATEMENT OF SECURITIES HELD BT SX7PT. OF BANKS — CanUnved 



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Naiobs op Companiks and Description op Bonds 

Now York Trust Co., New York, New York City 2i per cent 

New York Trust Co., New York, New York City 4 J per cent 



t318,000 00 
75.000 00 



Niagara Falls Trust Co., Niagara Falls, New York City 34 per cent. 
" ~ ^ Niagara Falls. Niagara Falls City 



Niagara Falls Trust Co 
cent 



4 per 



$20,000 00 
12,000 00 



Ncrf hem New York Trust Co.. Watertown, Watertown City 4i per cent 

Northport Trust Co., Northport, New York City 4J per cent 

Olesn Trust Co., Olean. New York City 4 per cent 

Oneida County Trust Co., Utica, New York State 4} per cent 

Ontario County Trust Co., Canandaigua, New York State 4 per 

cent $20,000 00 

Ontario County Trust Co., Canandaigua, Canandaigua Village 4 

per cent 2,000 00 

Orange County Trust Co., Middletown, New York City 4 per cent. 

Oswego County Trust Co., Fulton. New York City 3} per cent 

Oswego County Trust Co., Fulton, New York City 4 per cent. 



Oswep o County Trust Co., Fulton. New York City 4 J per cent 
Oewego Ccunty Trust Co., Fultcn, New York City 4 J per cent. 

Pecr'fs Trust Co. of Binghainton. Buffalo City 4 per cent 

Peoples Trust Co. of Binghamton. New York City 4 per cent. . 



Pccplcs Trust Co.. The. Brooklyn, Brooklyn City 3i per cent. . 
Pecp.cs Trvst Co.. The, Brooklyn, New York City 31 per cent. 



Poughkeepsie Trust Co., Cohoes City 3\ per cent. . . 
Poughkeepsie Trust Co., New York City 4 per cent. 
Poughkeepsie Trust Co.. Niagara Falls 4 per cent. . , 



$5,000 00 
2,000 00 

12.000 00 
3.000 00 

$20,000 00 
30,000 00 

$100,000 00 
20.000 00 

$2,000 00 
15,000 00 
18,000 00 



Putnam County Trust Co., Brewster, New York City 4 J per cent. 
Queers County Trust Co., Jamaica. New York City' 3 J per cent. . 
QueccB County Trust Co.. Jamaica, New York fctate 3 per cent. . 

Rochester Trust ft Safe Deposit Co., New York City 3| per cent. 
Rockland County Trust Co., Nyack. New York City 3^ per cent. 
Rocl-land County Trust Co., Nyack. New York City 4 per cent. . 
Rockland County Trust Co.. Nyack, New York City 4 J per cent. 



Rome Trust Co. 
Rome Trust Co. 
Rome Trust Co. 



Rome, New York State 4 per cent. 

Rome, Rome City 4 per cent 

Rome, New York City 4^ per cent. 



$5,000 00 
100,000 00 



$21,000 00 
1,000 00 
3.000 00 

$1 .000 00 
10,000 00 
25,000 00 



St. Lawrence Trust Company 
Salamanca Trust Co., 
Salamanca Trust Co.. Sa 
Salamanca Trust Co., Sa 



Ogdensburg, New York State 4 per cent 

amanca. New York City 3} per cent $4,000 00 

amanca. New York City 4| per cent 15,00 ) 00 

amanca. Little Valley Village 4.03 per cent. 4 . 190 40 



Scandinavian Trust Co.. New York. New York City 3 per cent. . 
Scandinavian Trust Co.. New York. New York City 3i per cent.. 
Scandinavian Trust Co.. New York. New York City 4 per cent. . 
Scandinavian Trust Co.. New York, New York City 4 J per cent.. 



$28,500 00 
32,000 00 
15,000 00 
30,000 00 



Schenectady Trust Co., Schenectady, New York City 3) per cent 

Security Trust Co. of Rochester. Rochester City 3i per cent $50,000 00 

Security Trtist Co. of Rochester. New York City 4 per cent 10,000 00 

Security Trust Co. of Troy, The, New York City 31 per cent 

Suffolk County Trust Co., Riverhead, New York City 4i per cent 

Syracuse Trust Co., Syracuse. New York City 3i per cent 

The Thrift. Brooklyn. New York City 4* per cent $100,000 00 

The Thrift, Brooklyn, New York State 3 per cent 1 ,000 00 

Title Guarantee A Trust Co., New York, Brooklyn City S\ per cent. $50,000 00 

Title Guarantee & Trust Co., New York, New York City Z\ per cent. 442 . 500 00 

Title Guarantee A Trust Co., New York, New York City 4* per cent. 25 . 000 00 

Title Guarantee Sc Trust Co. . New York, New York City 4} per cent. 5 . 000 00 

Title Guarantee A. Trust Co., New York. United States 3i per cent. 27,000 00 



Transatlantic Trust Co. 
Transatlantic 1 rust Co. 



New York, United SUtes 4 per cent $100,000 00 

New York, Albany City 4 per cent 6,000 00 



Troy Trust Co., The, Troy, New York City 3} per cent $30.00000 

Troy Trust Co.. The. Troy, Albany City 3i per cent 10,600 00 



Amount of 
bonds hold 



$393,000 00 



32.000 00 
40,000 00 
21,000 00 
21.000 00 
30,000 00 



22,000 00 
25,000 00 



22,000 00 

50,000 00 

120,000 00 



35,000 00 
20.000 00 



105,000 00 
60,000 00 



25.003 00 



36.000 00 
20.00D OJ 



23.190 40 



105.500 00 
35.000 00 



60.000 00 
38.000 00 
20.000 00 
60.000 00 



101 .000 00 



549.500 00 

106.000 00 

40.600 00 



:iil 



V 



Segubities 363 

STATBMSNT OF SECURITIES HELD BY SUPT. OF BANKS — Concluded 

Amount of 

Nauss or CoMPANiKB AND DxscRiPTioN OP BoNDB bonds held 

Tnnt Co. of Folton County. Gloveraville. Troy City 4| per cent t25.000 00 

Tnst Co. of Wyoming County, Warsaw, New York City 4i per cent. $5 . 000 00 
Trott Co. of Wyoming County. Warsaw, New York City 4 J per cent. 1 5 , 000 00 

20.000 00 

Trost A Deposit Co. of Onondaga, Syracuse, New York City 3| per 

cent $54.000 00 

Trait k Deposit Co. of Onondaga, Syracuse, New York City 4 per 
cent 2,000 00 

66.000 00 

Cnion Trust Co. of Albany, New York City 4i per cent 60.000 00 

UoioD Trust Co. of Jamestown, Jamestown City 4 per cent $26,000 00 

t'nioo Trust Co. of Jamestown, Jamestown City 4} per cent 6,000 00 

81.000 00 

Uaion Trust Co. of Rochester. New York City 4i oer cent 55,000 00 

Imted States Mortgage A Trust Co.. New York, New York State 4i per cent. . . 200,000 00 

United States Trust Co. of New York, New York City 3| per cent 256,000 00 

Utjea Trust A Deposit Co.. Utica, New York City Zh per cent 46,000 00 

Westchester Trust Co., Yonkers, New York City 3| per eent 33,000 00 

Worken Trust Co.. Johnson City. New York City 4f per cent 20,000 00 

Vooken Trust Co., The. Yonkers, New York State 4 per cent 30.000 00 

$14,056,790 40 



STATEMENTS 



SHOWING THE 



Condition of the Trust Companies operating under the 

Laws of this State 



ON 



March 14» 191S, June 2S, 1918, September 10, 1918, and November 

1, 1918 



[365] 



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380 



Report on Tbdst Companies 



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381 



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382 



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11 


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$30,018,081 

25,042,994 
5,116,186 

1,345,100 

915,950 
86,917,252 


li 


$39,119,063 
25,101.114 
5,053,495 
1,468,700 

272,660 
71.400,043 










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Chkmtho Cab At Trust Cobcpabt, Elmiba 



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6,758 

9,333 

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2,490 

37 

807 

311 


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194 

5.398 

8,608 

3 

2,491 

87 

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260 


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277 
4,213 
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2,584 
80 
561 






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19 : 



iiiirimiijii 

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CiTIZIHS' COMMEECIAL TBrflT COMPAHT, BdFFALO 389 



m 


1 


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giigs \i m 


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1 


88 


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187 
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212 
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175 
449 


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390 



RbPOKT O'N TbCST CoifPAITIES 



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The Citizens' Tkust Company of Patohogub 393 



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The Citizens' Trust Company of Schenectady 395 



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CmzENa' Tkubt Compact of Unci, N. Y. 397 



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186 

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149 

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106 
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239 

864 
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189 

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140 

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399 



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297,083 
498,193 
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1,691,880 
38,399 
292,784 
203,129 
182,200 
32,742 
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The Comuebciax Trust Company 



405 









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26,034 

88 

613 

126 

26,399 

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ThK COBPORATIOW TbUST CoMPANT 



407 



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The County Tbcbt Cohpant 



4^11 



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Report on Teust Companies 



Resources and Liabilities of Trust Companies as Reported 

The following table contains a summary statement of the 
resources and liabilities of the trust companies reporting to the 
Banking Department on the dates specified during the year 1918: 



R18OTJRCR8 



Stock and bond investments, yis.: 

PnUie aecuritiefl 

Private securities 

Real estate owned 

Mortgages owned 

Loans and discounts secured by bond and mort- 
gage, deed or other real estate collateral 

Loans and discounts secured by other collateral 

Loans, discounts and bills purchased, not 
secured by collateral 

Overdrafts 

Due from trust oomranies, banks and bankers 

Specie 

Other currency authorised by the laws of the 
United States 

Cash items, vii.: Bills and checks for the next 
day's clearings; other cash items 

Due from the Federal Reserve Bank of New 
York, less offsets 

Customers' liability on acoeptanoee (per contra, 
see liabilities) 

Other assets 

Add for cents 



Statement of 

condition 
Mar. 14. 1918 



Total. 



Lllbilitiis 

Capital 

Surphis (including all undivided profits) , 

Preferred deposits, vie.: 

Due New York State savings bonks 

Due New York State savings and loan asso- 
ciations, credit uniomt and land bank 

Due as executor, administrator, guardian, 
receiw, trustee, committee or depositary. 

Deposits by the State of New York 

Deposits by the Superintendent of Banks of 
State of New York 

Other deposits secured by a pledge of assets. 

Deposits otherwise preferred 

Due depositors, not preferred 

Amount due trust companies, banks and bankers 

Bills payable 

Rediscounts 

Acceptances of drafts payable at a future date 

or authorized by commercial letters of credit 

Other liatttlities 

Add for cents 



$468,785,222 

366,829.467 

48.273.660 

05,204,067 

13.460.801 
874.233,852 

542.463.542 

530,320 

166,690.367 

26.245,565 

22.252.494 

41.16S.661 

;i08, 01 1,078 

115.989.104 

93,871.216 

62 



Statement of 

condition 
June 20, 1918 



$3,084,003,468 



$371,916,792 

349,365,702 

49,906.448 

95.970.711 

13,098,615 
826,489,709 

617.745.286 

1.108,111 

155.901,700 

18,008.765 

27,478,997 

50,754,243 

213,501,065 

118,055,047 

134,855,222 

45 



Statement of 

condition 
Sept 10. 1918 



$3,045,230,458 



Total. 



Totitl deposits. 



$115,475,200 
182,213,087 

74,752,320 

974,513 

88.406.303 
19,757.653 

567.585 

105,180,347 

3,514,4::4 

1,926.322,469 

266,377,503 

31,840.950 

64,354,241 

109,059,029 

105,207,802 

62 



$3,084,003,468 



$2,475,853,107 



$119,925,200 
182.267,102 

60,737,737 

909,796 

91,456,710 
15,502,376 

757.048 

142.072,268 

6.026,659 

1.911.699.301 

210.880.470 

77.837.043 

60.102.668 

115.595.960 

49.367.015 

45 



$600,307,669 

338.065.602 

49.087,001 

94.259.579 

13,823.336 
847.217,133 

578.585.903 

467.920 

141.600.683 

15.794.369 

29.578.034 

74.639,0n 

192,440.817 

110.686.511 

139.121.128 

47 



Statement of 

oooditian 
Nov. 1. 1918 



$3,126,664,799 



$3,045,230,458 



$2,440,141,425 



$119,932,200 
185,537,935 

50.052,810 

962,379 

89.844.794 
11,518.637 

644.233 

91.42:>.583 

4.408.017 

1.947.504,942 

329,386,304 

150.908,592 

83,148.697 

108.014.536 

52.398.123 

47 



$413,221,939 

335.?21,543 

49.899.159 

93.877.lffi) 

11,809.81S 
1.042.921,704 

521.322.959 

476.467 

155. 108.006 

13.874.275 

28.233.S21 

77,610,741 

192.033.330 

129.024,336 

156,836,330 

51 



$3,221,371,809 



$3,126,664,799 



$2,426,734,875 



$119,932,200 
18S.SS6.678 

42.S22.5G 

061 .730 

86.931.601 
]2.607.;S 

723.335 

258.722.446 

10.0».5(« 

1.9Qa,905.6SS 

303.375. ITS 

00.336.679 

1I8.311.3J9 

129.00I.4S9 
&5,912.5i'9 

51 



$3.221. Sn.M 



$2,516,751,316 



DETAILED STATEMENT 

OP THE CONDITION OF THE 

Safe Deposit Companies in tliis State 

ON THE 

FIRST DAY OF JANUARY, 1919 

As CoMPII^D FROM ThEIE RePOETS TO THE SuPlcBINTENDENT 

OF Banks 



[567] 



1. THE ALBANY SAFS DEPOSIT AND STORAGE COMPANTt ALBANY 

[Maiden lane and Lodge street; Incorporated 1838] 

OFFICERS 
VDGAR C. LEONARD, President. A. PAGE SMITH, Treasurer. 

DOXALD McCRBDIB, Vice-President. C. C. DbROUVILLB, Secretarj-. 

DIRECTORS 
6. C. LEONARD. DONALD McCRBDIB, A. PAGB SMITH. 

BDOAR C. LEONARD. GEO. A. WHITE, C. C. D»ROUVILLE, 

6. WM. McBWAN, 

FINANCIAL 
RESOimOES 

stock and bond investments, market value $23,175 00 

Real estate, cost, $51,550.79; estimated present value 51,550 70 

VauHs and safes, cost, $38,087.50; estimated present value.. 38,087 50 

Cash on hand 105 99 

Safe rentals due and accrued 2 , 050 75 

Silver storage due and accrued 2,450 35 

Warehouse storage due and accrued 570 25 

Other assets, viz. : 

Far storage 81, 422 09 

Safe deposit 57 00 

Custodian service 118 51 

' 1,598 20 



$119,588 83 



LIABILITIES 

Capital stock $90,000 00 

Other loans 622 81 

Other liabilities, viz. : Accounts paid in advance 36 50 

Excess of assets over liabilities 28,929 52 



$119,588 83 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $3,794 39 

From rent of safes 15,327 06 

From storage of valuables the safety of which is guaranteed 

by the company 6,466 08 

From silver storage 2,653 70 

From warehouse storage 1 , 752 00 

From interest on loans, deposits and investments 967 40 

From loans paid 1 ,622 81 

From all other sources, viz. : 

Oostodian service 190 00 

Sale of wagon and sleigh 70 00 

Freights, etc 187 62 

327 52 



$32,910 95 



PAYMENTS 

For loans paid $1 ,000 00 

For interest on bonds, loans and mortgages 2 50 

For dividends to shareholders 12,600 00 

For expenses, viz. : 

Salaries $9,845 85 

Taxes and repairs on building 8, 287 55 

Other expenses 3,541 83 



Other payments, viz. : 

Vaults and safes 1804 80 

Liberty Loan Bonds 2,000 00 

Freights — rebate*, etc 222 43 



16,675 23 



2,527 23 



Cash on hand and in banks or other moneyed institutions 
I>ecember 31, 1918, after transactions oif the day 105 99 



[569] 



$32,910 95 



570 Report on Deposit and Storage Companies 

8. ASXOR SAFE DEPOSIT COMPANT, NEW TOSK aTT 

[601 Fifth arenae; incorporated 1907] 

OFFIOERS 

SEWARD PROSSER. President. WALDRON P. BELKNAP, Treasurer. 

HENRY J. COCHRAN, Vice-President. JAMBS L. NICHOLS, Secretary. 

DIRECTORS 

HENRY J. COCHRAN, THOMAS HILDT, GATES W. McGARRAH. 

THOMAS COCHRAN, FRANCIS L. HINE. SEWARD PROSSER, 

ALBERT H. WIGGIN. 

FINANCIAL 
RESOURCES 

Stock and bond inyestments, market value $120,635 12 

Vaults and safes, cost, $32,026.^7; estimated present value.. 27,086 19 
Furniture and fixtures, cost, $5,284.55; estimated present 

value 6,194 94 

Cash on deposit with banks or other moneyed institutions. . 3,906 65 

Safe rentals due and accrued 1 ,399 41 

Other assets, viz. : Interest accrued 1 ,906 64 

$160,128 95 

LIABILITIES 

Capital stock $100,000 00 

Expenses incurred but unpaid, boxes ordered 4,290 00 

Other liabilities, viz.: 

Accounts payable 8100 

Rents unearned 10,067 08 

10,098 02 

Excess of assets over liabilities 45,740 93 

$160,128 95 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1018, before transactions of the day $986 34 

From rent of safes 27,632 60 

From interest on loans, deposits and investmpents 7,700 17 

From stocks and bonds sold, par value $47,500. Amount re- 
ceived therefor 55,934 06 

From all other sources, viz. : Loan 15,500 00 

$107,753 16 

PAYMENTS 

For loans paid $23,000 00 

For interest on bonds, loans and mortgages 533 82 

For expenses, viz.: 

Salaries 18.238 4S 

Taxes and repairs on building 666 27 

8,904 70 

Other payments, viz.: 

Balance vault 18,311 SS 

Safe deposit boxes 3,612 60 

Furniture and equipment 183 81 

Expense account 14,843 64 

Stocks and bonds 44,886 88 

Refund of rents paid 16134 

71,407 99 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 3,906 65 

$107,753 16 



Atlaittic Safe Deposit Company 571 

3. ATLANTIC SAFE DEPOSIT COMPANT, HEW YOfiK CITT 

[48 Wall street ; Incorporated 1901] 

G. S. FLOTD-JOMBS, President, O. S. BRBW8TBR,yicePreBldent. 

JOHN M. HOGAN, Secretary. 

DIRECTORS 

G. 8. BREWSTER, BBVBRLT CHEW, ANTON A. RAVBN, 

D. CRAWFORD ^^ARK, ». R. BERTRON, GOO. J. GILLBSPIB. 

G. S. FLOYD-JONES, OTTO SAKTORIUS. 

FINTANOIAL 
RESOURCE'S 

Bonds and mortgages $14 ,000 00 

Stock and bond investments, market value 133,827 50 

Furniture and fixtures, cost, $1,100; estimated present value 900 00 

Caish (m deposit with banks or other moneyed institutions. . 9,260 30 

Cash on hand 60 00 

.Safe rentals, silver storage and warehouse storage, due and 

accrued 1 ,836 15 

Other assets, viz. : Interest accrued 1 ,621 71 

$161,495 66 

LIABILITIES 

Capital stock $100,000 00 

Kxpenses incurred but unpaid 108 81 

Other liabilities, viz.: Ren1« unearned 12,500 00 

Excess of assets over liabilities 48, 886 85 

$161,495 66 

CASH TRANSACnONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed institutions 
January 1, 1918, before transactions of the day $6,822 18 

From rent of that portion of the building not occupied by the 
company 600 00 

Frotn rent of safes, storage of valuables, silver storage and 
warehouse storage 30,339 79 

From interest on loans, deposits an^ investments 7 , 074 23 

From stocks and bonds sold, par value, $23,000. Amount re- 
ceived therefor 23,217 50 

From loans paid 11 ,500 00 

$79,553 70 

PAYMENTS 

For dividends to shareholders $6,000 00 

For expenses, viz.: 

Sauries 18,053 00 

Taxes 1,012 13 

Rent of bnlldlne and other expenses 10,577 34 

19,642 47 

^>ther payments, viz. : Bonds purchased 44,600 93 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 9,310 30 

$79,553 70 



672 Kbpobt on Deposit and Storaob Companies 

4. BANKERS' SAFE DEPOSIT COMPANY, NEW YORK CITY 

[4 Wall street; incorporated 1B80] 

OFFICERS 

OHARIiBS VAN ORDBN, President. JOSEPH S. MAXWELL. Treasurer. 

GEORGE F. BAKBB, JR., Vioe-Preaident. 

TRUSTEES 

JOSEPH 8. MAXWELL, WM. PAHNB8TOCK, CHARLES VAN ORDBN, 

GEORGE F. BAKER, JR., ROBERT B. DOD60N. 

FINANCIAL 

RESOURCES 

Stock and bond investments, market value $160,800 00 

Vaults and safes, cost, $71,428.82; estimated present value.. 16,428 82 

Furniture and fixtures, cost, $500 ; estimated present value . . 200 00 

Cash on deposit with banks or other moneyed institutions . . . 373 67 

$177,802 49 



LIABILITIES 

Capital stock $100,000 00 

Excess of assets over liabilities 77,802 49 



$177,802 49 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $1,479 11 

From rent of safes 22, 196 37 

From interest on loans, deposits and investments 11,565 03 

From stocks and bonds sold, par value $1,000. Amount re- 
ceived therefor 994 60 



$36,235 11 

PAYMENTS 

For dividends to shareholders $20,000 00 

For expenses, viz.: 

Salaries 17.690 5S 

Taxes and repairs on buildinir 2,940 25 

Rent of building 2,40000 

Other expenses 2,920 66 

16,861 44 

Cash on hand and in banks or other moneyed- institutions 

December 31, 1918, after transactions of the day 373 67 

$36,235 11 



Bank of Long Island /Safe Deposit Compant 578 

5. BANK OF LONG ISLAND SAFE DEPOSIT COMPANY, JAMAICA, N. T. 

[359 Falton street; incorporated 1917] 

OFFICERS 

SAMUEL B. SMITH. President FRANKLIN A. BOOER8, Vlce-Pres. 

YALSINTINl! W. SMITH. Yice-Pres. GBORQB S. DOWNING. Treasurer. 

WILLIS BL INGLEE. Secretary. 

DIRECTORS 

BAlfUEL R. SMITH. FRANKLIN A. ROGERS, BERNARD D. FORSTER, 

VALENTINE W. SMITH. WILLIS B. INGLEE. OEORIGE S. DOWNING. 

WILLIAM W. GILLEN. 

FINANCIAL 
RESOURCES 

Stock and bond investments, market value $95, 190 00 

Vaults and safes, cost, $5,800; estimated present value 5,800 00 

Cash on deposit with banks or other moneyed institutions. . . . 6,056 24 

$107,046 24 

LIABILITIES 

Capital Btodc $100,000 00 

Excess of assets over liabilities 7,046 24 

$107,046 24 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $4,007 42 

From rent of safes 8,920 00 

From storage of valuables the safety of which is guaranteed 

by the company 675 24 

From silver storage 129 80 

From interest on loans, deposits and investments 4,585 00 

$18,317 46 

PAYMENTS 

For dividends to shareholders $6,000 00 

For expenaes, viz.: 

SaUries $2.400 00 

Taxes BO 

Bent of building 1,50000 

Parchase of boxes 800 00 

Other expenses 1. GOO 72 

6,261 22 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 6,056 24 

$18,317 46 



574 Ebpoet on Deposit and Sto&aoe Compakiss 

6. BROADWAY SAVE DEPOSIT COMPANY, NSW YORK CITY 

(1 Madison avenue:; Incorporated 1902] 

OFFICERS 

M. J. O'BRIEN. Jb., President. HENRY REUBBL, Vice-President, 

MAX WBISTEIN, Vice-President, CARL J. DEUTSCH, Treasurer. 

CEUIS. STRAUSS, Secretary. 

DIRECTORS 

M. J. O'BRIEN Jb., C. J. DEUTSCH, GEO. B. M. HARVEY, 

MAX WEISTEIN, CHAS. STRAUSS, HENRY RBUBEL, 

HENRY OLJ.ESHEIMER. 

FINANCIAL 
RESOURCES 

Stock and bond investments, market value $26,818 00 

Real estate and vaults and safes, cost, $89,378.10; estimated 

present value 75,980 44 

Furniture and fixtures, estimated present value 1,000 00 

Cash on deposit with banks or other moneyed institutions. . 587 18 

Safe rentals due and accrued 219 00 

Silver storage due and accrued 168 00 



$104,778 62 



LIABILITIES 



Capital stock $100,000 00 

Excess of assets over liabilities 4,778 62 

$104,778 62 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $886 81 

From rent of safes 13,381 00 

From warehouse storage 288 75 

From interest on loans, deposits and investments 1,003 77 

$15,660 33 

PAYMENTS 

For expenses, viz.: 

Salaries |4,W6 00 

Taxes and repairs on building 463 12 

Rent of building '. 1,500 00 

Other expenses 2,326 08 

$9,205 15 

Other payments, viz. : Investments 6,768 00 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, alter transactions of the day 587 18 

$15,560 33 



The Bronx Safb Deposit Company 675 

7. TH£ BKOHZ 8AFB DBP06IT COMPAHT, HXW TOKK CITY 

[429 Tremont ayeniw ; Incorporated 1908] 

OFFICEKS 

WIUJAM B. AITKBN. Prealdent. WILLIAM B. STBVBNS. Treatarer, 

JOHN 8. 8UTPHEN, Vice-President. F. BBBBVOORT ALUN, Secretary. 

T. TASSO FI-SCHBR, Vice-President. 

DIRECTORS 

W. B. AITKBN, T. T. FISCHER. P. B. LA BOCHB. Jb.. 

P. B. ALLIN. BUGBNB B. HINKLH. J. S. SUTPHBN. 

FINANCIAL 
BBSOimCES 

Beal estate, cost, $142,000; estimated present vahie $142,000 00 

Vaults and safes and furniture and fixtures, cost, $34,724.95; 

estimated present value 34, 724 95 

Cash on deposit with banks or other moneyed' institutions ... 9 , 65d 59 

Cash on hand 532 40 

Other assets, viz. : Rents accrued 45 00 

$186,957 94 

LIABILITIES 

Capital stock $110,000 00 

Loans secured by bond and mortgage 70, 000 00 

Interest due and accrued on loans 991 67 

Excess of assets over liabilities 5,966 27 

$186,957 94 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed institutions 

January 1, 1&18, before transactions of the day $10,116 21 

F^om rent of that portion of the building not occupied by the 

company >< 7,725 03 

From rent of safes 6,420 20 

From silver storage 253 50 

F^om interest on loans, deposits and investments 464 07 

From stocks and bonds sold, par value $1,000. Amount re- 
ceived therefor 1 ,050 00 



$26,028 01 



PATMENT8 



For interest on bonds, loans and mortgages $3,383 33 

For ezpenaea, viz.: 

Salaries |9.4S0e8 

Taxes and repairs on building 5,067 U 

Other expenses 2,112 96 

9,600 69 

Other payments, viz. : Safe deposit boxes 2, 866 00 

Cash on hand and in banks or other moneyed institutions 
Deoember 31, 1918, after transactions of the day 10,187 99 

$26,028 01 



576 Bepobt on Deposit and Stobagb Companies 

8. BSOOKLTN CITY SAFE DEPOSIT COMPANY, BSOOKLYH 

[177-179 Montagae street; Incorporated 1872] 

0FFIGBB6 

DAVID H. LANMAN, President, QBOEGB W. CHAUNCBY. Vice-President 

FRANK O. EDQBRTON, SecreUry. 

DIRECTORS 

WILLABD P. SCHBNCK. HORACE C. DUVAL, FRANK J. W. DILLBB. 

OBOROB W. CHAUNCBY, JOSEPH B. OWNBS, W. McDONAU). Ji.. 

DAVID H. LANHAN. 

FINANCIAL 
RBSOURODB 

6tock and bond investments, market value $130,309 00 

Cash on deposit with banks or other moneyed institutions. . . 660 19 

Cash on hand 309 50 

Safe rentals due and accrued 923 76 

Silver storage due and accrued 2,002 15 

Other assets, viz. : Accrued interest 1 , 161 58 

$136,266 18 

LIABILITIES 

Capital stock $100,000 00 

Ilxpenses incurred but unpaid 416 75 

Other liabilities, viz.: Unearned safe rentals and storage 

eharges 10,899 72 

Excess of assets over liabilities 23,939 71 

$136,266 18 



CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBIPTS 

Cash on hand and in banks or other moneyed institutions 
January 1, 1918, before transactions of the day $1,704 24 

From! rent of safes 21,704 39 

From storage of valuables the safety of which is guaranteed 
by the company 3,217 72 

From interest on loans, deposits and investments 6,610 89 

From all other sources, viz. : 

New locks |2S 00 

Bzpressage 42 76 

64 76 



$33,201 09 

PAYMENTS 

For dividends to shareholders $6,000 00 

For expenses, viz.: 

Salaries |10.«7l 74 

Rent af bnildinff 6,000 00 

Other expenses 2,012 88 

19,285 67 

Other payments, viz.: 

Bonds 17,00000 

Refund safe rentals 52 22 

Refund storage charges 4 GO 

7,056 73 

Cash on hand and in banks or other moneyed instituticms 

December 31, 1918, after transactions of the day 859 69 

$33,201 99 



CxNTRAi^ Safe Deposit Company of Ossiniwg 577 

0. CENTRAL SAFE DEPOSIT COMPAITY OF OSSININ G, OSSmHf 6, N. T. 

[Pleua&t flquare; Incorporated 1906] 

OFFICERS 

C. TQWNSBMD TOUNO, Prestdent, DUDLEY R HOLBROOK, Treaanrer, 

GBOBGS HYATT, Ylce-Pr€flident, O. J. TEN HAGEN, Secretary. 

DIRECTORS 

C. T. TOUNG, W. F. FOSHAY. JACOB CHADEAYNB. 

r. U TOUNG. D. B. HOLBROOK* F. BBANDRETH. 

B. A BARTO, W. A. MIMDB. O. J. TEN HAGEN. 

▲. B. MURRAY, Jb.» GRIFFIN 8. HILLIKER, LEONARD A. BALLARD. 

6B0. HYATT. 

FINANCIAL 

RBSOUBCSS 

Bonds and mortgages $10,200 00 

Stock and bond investments, market value 2, 142 60 

Beal estate, cost, $3,650; estimated present value 3,650 00 

Cash on deposit with Ixinks or other moneyed institutions. . . . 719 13 

Silver storage due and accrued 119 00 

$16,830 63 

LIABILITIES 

Capital stock $10,000 00 

Expenses incurred but unpaid 162 00 

Excess of assets over liabilities 6,668 63 

$16,830 63 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $696 02 

From rent of safes 1,367 83 

From silver storage 295 25 

From interest on loans, deposits and investnyents 750 74 

From all other sources, viz.: Brooklyn Rapid Transit note. . 300 00 

$3,409 84 



PAYMENTS 

For dividends to shareholders $800 00 

For «EipflBses, vii.: 

Salaries 1100 00 

Taxes and reoalrs on building S70 78 

Rent of building 824 00 

Other expenses 5S6 95 

1,390 71 

Other payments, vis. : Liberty Bond 500 00 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 719 13 



$3,409 84 



19 



578 Eepobt on Deposit and Stokaob CoacpAinxs 

10. CSHTRAL UmOH SAFB BBPOfilX COMFAHT, irSV TOBC Crrr 

[425 Fifth avenue ; incoiponited 1M7 as Unioii Tiast ade Deposit Company] 

OFFICSBfi 

W. McMASTEB iUILIiS, Preshtent ERNEST H. COOK* TztMurw. 

RICHARD DBLAFIBLD, Yice-Preatdent 

DIRECTGRS 

RICHARD DELAFIELD, FRED ra P. F09TKR, BERNHARD BBINBCKE, 

WM. M. y. HOVVHAN. W. McBlASTBB MILLS. 

FINANCIAL 
RSS0URCES8 

Stock and bond investments, market value $8,250 00 

Vaults and safes, cost, $146,863.27; estimated present value.. 109,950 00 

Cash on deposit with banks or other moneyed institutions. . . 5,437 52 

Safe rentak due and acemed 1 , 109 fK> 

Silver storage due and accrued 1 ,291 16 

$126,039 58 

LIABILITIES 

Capital stock $100,000 00 

Ibcp^isee incurred but unpaid 2,600 00 

Other liabilities, viz.: 

Taxes accrued |1,M7 71 

Safe rentals paid in advance 11^40 Oft 

1$,426 74 

Excess of assets over liabilities 7,011 84 

$126,038 58 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed inatitutioBa 

January 1, 1918, before transactions of the day $1,778 39 

From rent of safes ., 31,332 61 

From silver storage ' 3,814 98 

From interest on loans, deposits and investments 47 84 

From loans paid 80O 00 

From all other sources, viz. : 

Sundry income $1,687 98 

Ezpressa^ 247 50 

1,945 48 

i8»,719 30 

PAYMENTS 

For loans paid $800 00 

For bonds purchased 4,250 00 

For interest on bonds, loans and mortgages 8 00 

For dividends to ahareholdera 4,000 00 

For expenses, vizi.: 

Salaric* $11.660 60 

Taxes 2,676 26 

Rent of building 8.000 00 

Other expenses 8,000 80 

25,227 05 

Other payments, viz. : Expressage 2 73 

Cash on hand ^nd in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 6,437 52 

$39,719 30 



Cmzs^B CoMifEKCiAi. Safb Dbsposit Company 679 

II. CITIZENS COMMERCIAL SAFE DEPOSIT CO., BUFFALO, N. Y. 

Cl Blllcott Square ; Incorporated 1899 as Security Safe Deposit Company! 

OFFICEBS 

ROY H. GKIFFIN, President. WILLIAM P. CHASB; Treaanrer. 

NORMAN A. MACDONALD. Vlce-Pres. GASTON ROSSNSTIEL, Secretary. 

LEONARD W. SMITH» Asat. Seeretary. 

DIRECTORS 

EDWARD B. HOLMES, N. A. MACDONALD. FRANK D. WATTLES^ 

LAURENS ENOS, ROY H. GRIFFIN, J. H. McNULTY, 

WM. H. CROSBY, 

FINANCIAL 

RESOURCES 

Stock and bond inTestmentSy market value $8,800 00 

Vaults and safes and furniture and fixtures, cost, $151j81L39; 

estimated present value 166,367 77 

Cash on deposit with banks or other moneyed institutions. . . 66 34 

Cash on hand 60 00 

Safe rentals due and accrued 3,493 97 

Silver storage due and accrued 1 , 042 93 

Warehouse storage due and accrued (cold storage for furs) . . 5,130 61 
Other assets, viz. : 

Amount held for accounts charred off |22 00 

Insurance (unearned premiums) 858 63 

Auto tires purchased but not used 83106 

Sundries 14 64 

1,226 22 

$186,177 84 

LIABILITIES 

Capital stock $150,000 00 

Other loans 5,000 00 

Other liabilities, viz.: 

Reserve for bad debts $18 37 

Reserve for depreciation of property 15, 000 00 

Reserve for refrigeration charges 500 00 

16,518 37 

Excess of assets over liabilities 16, 659 47 

,177 84 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $2, 182 58 

From rent of that portion of the building not occupied by the 

company 1,083 42 

From rent of safes 12, 385 36 

From silver storage 1 , 105 25 

From warehouse storage (cold storage for furs) 17,437 80 

From interest on loans, deposits and investments 403 15 

From ail other sources, viz. :' 



Sundries $25100 

Fbr light, auto serrlce, etc 1,18144 

Loans 6, 000 00 



7,432 44 
$42,029 99 



580 Rbpoet ow Deposit and SxoBAaB Companies 

PAYMENTS 

For loans paid $1,000 00 

For intere^ on bonds, loans and mortgages 112 83 

For dmdendA to shareholders 9,000 00 

For expenses, yiz.: 

Salaries |8,M4 87 

Taxes and repairs on buHdlng 1,679 92 

Rent of building 4,000 00 

Otlier expenses 4,622 12 

19.566 91 

Other payments, yiz.: 

Equipment $10,316 61 

Insurance 1,447 45 

Sundries 437 06 

Refund 27 90 

12,228 91 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 121 34 

$42,029 99 



City Sate Deposit Compakt of Albaky 681 

18. CITY SAFE DEPOSIT COMPANY OF ALBAKY, H. Y. 

[1<N> State street; incorponted IMS] 

OFFIOERS 

WM. 8. HACKETT* President, HORACB S. BELL, Treasurer, 

G. Y. LANSING. Vice-President, WILLIAM D. WADE, Secretanr. 

DIRECTORS 

CHA8. W. BEYNOLDSv WM, S. HACKETT, GEO. W. 8TEDMAM, 

OBRRIT Y. LANSING, ALBEBT HBS8BBRG, WILLIAM S. DYBB, 

HORACB 8. BBLiZ LBWIS R. PARKEB, WM. J. NELLIS. 

PARKER COBNINO, W. W. BATCHBLDBR, JACOB 8. FBIEDMAM. 

JAMBS C. FABRBLL. 

FINANCIAL 
BESOUBCB8 

Stodc and bond investments, market value $37, OM 25 

Vaults and safes, cost, $43,762.38; estimated present value. . . 37,347 91 

Furniture and fixtures, cost, $3,770.92; estimated present 

value 5 00 

Cash on deposit with banks or other moneyed institutions. . . . 8,041 14 

Cash on hand 20 00 

Safe rentals due and accrued 1,290 20 

Silver stora^ due and accrued 431 00 

Warehouse storage due and accrued 677 25 

Other assets, viz. : 

Accrued interest |479 68 

Automobile 800 00 

1,279 68 

$81,688 43 

LIABILITIES ' 

Capital stock $50,000 00 

Excess of assets over liabilities 31 ,688 43 

$81,688 43 

CASH TRANSACTIONS DURING THE YEAR 1918 

BECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $2,899 96 

From rent of safes 13,396 47 

Fr<»n storage of valuables the safety of which is guaranteed 

by the company 3,823 50 

From silver storage 687 85 

From interest on loans, deposits and investments 2,039 47 

From stocks and bonds sold, par value $1,000; amount received 

therefor 1 ,000 00 

$23,74F25 

PAYMENTS 

For dividends to shareholders $6,000 00 

for expenses, viz.: 

Salaries 14,511 BO 

Rent of building 1,200 00 

Other expenses 2,376 87 

8,087 87 

Other payments, viz. : 

Bonds 12,941 49 

Deposit boxes 91186 

Automobile 1,065 17 

Taxes 1,090 28 

5,998 24 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 3,661 14 

$23,747 25 



582 E.EPOBT ON Deposit ahd Sto&ags Cokpakies 

18. COLONIAX BAVK SAFE DEPOSIT COMPAHY, MEW YORK CUT 

[441 Golambiyi a^eniie; lAOorponitod JA12] 

OFJIOEBS 

ALBXAKDBB WALKER, Ftvsldcflit, ALEXANDER C WALKB&, fiectetery. 

KDWIN W. OSVIS. Vlise-Presldeiit GEORGE 8. CABB. Treamrtz. 

DIRBCT0B8 

ALEXANDER WALKER, OEORGB & CABR, AUGUSTUS W. KSLLKI, 

BDWIM W. ORYI8, ALEXANDER C WALKBR. 

FDSTANCIAL 

RESOURCES 

Stock and bond investments, market value $23,700 00 

Vaults and safes, cost, $99,405.80; estimated present value. . 66,000 00 
Furniture and fixtures, cost, $19,910.70; estimated present 

value 1,150 00 

Cash on deposit with banks or other moneyed institutions 6,078 68 

Other assets, viz.: 



Vanlt door 16,000 00 

Automobile 1.726 SO 



7,726 50 



$104,655 OS 



LIABILITIES 

Capital stock $100,000 00 

Ezoess of assets over liabilities 4,655 03 



$104,655 03 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in 2>uiks or other moneyed institutions 

January 1, 1918, before transactions of the day $3,173 90 

From rent of safes 46,038 45 

From silver storage 8,502 56 

From interest on loans, deposits fmd investments 1 ,775 00 

From stocks and bonds scdd, par value $20,000. Amount 

received therefor 19,237 50 



$78,787 40 



PATMENTS 

For ezpensesj viz.: 

Salaries |9,8U 97 

Taxes and napairs on building 1,316 16 

Rent of bailoing 18.99162 

Other expenses 2,S96 IS 



Other jMiyments, vix. : 

Insurance 11,4660 

Electric protection S,tt9 66 

Equipment and improvements 86,286 61 



$32,715 94 



39,992 93 

Cash on hand and m. banks or other moneyed institutions 
December 31, 1918, after transactions of the day 6,978 53 

$78,787 40 



ThB OoMlfBBCIAL SaFE DePOSIT CoiCPAITY 583 



14. THX COKKBSCIAL SAFE WSPOBIT OOHPAHT, SXW TOHK CITY 

(1151 Broftdwrnj; taMorpofsted 19011 

OFFICERS 
E. B. MOOBB. Pi««MeBt G. J. BADXANN, Tteauuer, 

A. U SRLAMGER, Tlee-FlMklMt. 

DIRE0T0R8 

IL R. MOOUB. KWN F. GAL.TIN. O. J. BAUUAHN. 

A L. SBLANOBB, KNIOELAND MOORE. 

FINANaAL 

RESOUBCES 

fioodg and mortgagee $39,000 00 

SUiA and bond inveetments^ market value 07,500 00 

Vaults and aafea, cost, $43,900 estimated present value 23,900 00 

Caah on deposit with banks or other moneyed institutions. . . . 2,145 62 

Other assets, viz.: Reserved for new safes 1,906 00 

$134,540 52 

UABILITUES 

Capital stock $100,000 00 

ExMSs of assets over liabilitiea d4,540 52 

$134,540 52 



CASH TRANSACTIONS DURING TIIE YEAR 1918 

BECBIPTB 

Cash on hand and in banks or other moneyed institutions 

January 1, 11^18, beiore traAMotiona of the day $21,847 34 

Fnn rout of safes 9,951 19 

From storage of valuables the safety of which is guaranteed 

by the compaay 210 50 

FiOD interest on loans,, deposits and investments 5,131 36 

Fnn stocks and bonds sold, pur value $2,250. Amount received 
therefor 2,300 25 

$39,440 64 
PAYMBKTS 

For eipenBea, ylz.: 

Sakirtes $2,129 07 

Tteei fls4 vepain on building 988 26 

Rent of building 4,000 00 

Other expenses 954 34 

$8,071 67 

Other payments, viz. : 

Refund to customers |21 6» 

Opening safea 201 95 

U. S. certificate of indebtedness 5, 000 00 

Bond8 and laortga^s 24,000 00 

29,223 45 

Cash OB hand aad in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 2,145 52 

$39,440 64 



584 Repokt on Deposit and Stobagb Companies 

16. COKN EZCHANGE SAFE DEPOSIT COMPAHT. HEW TOKK CITT 

[U William street; incorporated ISU] 

OFFICERS 

WILLIAM A. NASH. Pretident, RICHARD D. BROWN. Tlce-Pretfdent. 

WALTER B. FREW, Ylce-Preeident. WARD C. PITKIN, Treaauzer, 

DIRECTOBS 

WILLIAM A. NASH. WILLIAM H. NICHOLS. DAVID BINGHAM. 

WALTER B^ FREW, CLARENCE H. KEL8BT. 

FINANCIAL 
RESOURCES 
Vaults and eafes, furniture and flxturea, cost, $390,000.97; 

estimated present value $316,823 46 

Cash on deposit with banks or other moneyed institutions. . . . 7,602 15 

Other assets, viz.: 

War Savings Stamps 1100 00 

Managers fund GO 00 

150 00 

$323,675 61 

LIABILITIES 

Capital stock $300,000 00 

Other loans 10,000 00 

Other liabilities, viz.: Federal Safe Deposit Co., stock out- 
standing 6,000 00 

Excess of assets over liabilities 8,575 61 

$323,575 61 

CASH TRANSACTIONS DURING THE YEAR 1918 

RBCBIFTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $1,034 40 

From rent of safes 91, 159 74 

From storage of valuables the safety of which is guaranteed 

by the company 9,941 6S 

From interest on loans, deposits and investments 459 72 

From stocks and bonds sold, par value $10,000. Amount 

received therefor 9,912 50 

From all other sources, viz. : 

Loan $20,000 00 

Miscellaneous 7100 

20,071 60 

$133,179 64 

PAYMENTS 

For loans paid $10,000 00 

For interest on bonds, loans and mortgages 206 66 

For dividends to shareholders 15,000 00 

For expenses, viz.: 

Salaries 126,601 78 

Taxes and repairs on tmlldinsr 3,769 34 

Rent of building 18,84108 

Other expenses 11,090 87 

00,133 65 

Other payments, viz. : 

Vault and fixtures 127,383 08 

Extra compensation 3,996 00 

Employees profit sbaring fund 8,675 20 

War Savings Stamps 100 00 

Refunds 83 90 

40,237 18 

Cash on hand and in bank» or other moneyed institutioiM 

December 31, 1918, after transactions of the daj 7,602 15 

$133,179 54 



County Safe Deposit Company 585 

16. C0UHT7 SAFE DEPOSIT COMPANT, WHITE PLAINS 
[lfiI-164 MalB street; Incorporated 191S] 

OFFIOERS 

a p. TOUNG, Tlce-Preeldent, H. B. VINCENT, Secretary. 

C. a A6NBW, Vlce^Preeident, J. DOUGLASS BiSAD. Asst Secretary. 

DIRBCTORS 

COBNEUUS B. AQNSW. BLIA8 W. DU8ENBEBBT, C. P. YOUNG. 
RUS8KLL MAB8TON. H. B. VINCENT. WILLIAM A. DUNCAN. 

J. DOUGLASS MBAD, FREDERICK GELLEB, WILSON BBOWN. JB.. 

<. DAVID CROMWELL, 

FIKANOIAL 

•RBSOUiRCES 

Bonds and mortgagee $2,000 00 

Vaults and eafes, cost, $11,300; estimated present vidue 11,300 00 

Cash on deposit with banks or other moneyed institutions. . . . 1,079 07 

Safe rentals due and accrued 170 00 

Silver storage due and accrued 273 76 

$14,822 83 

LIABILITIES 

Capital stock $10,000 00 

Excess of assets over liabilities 4,822 83 

$14,822 83 

CASH TRANSACTIONS DURING THE YEAR 1918 

BECBIPTS 

Cash on hand and in banks or other moneyed institutions 

January 1, 1918, belore transactions of the day $572 09 

From rent of safes 1,405 30 

From silver storage 286 50 

From interest on loans, deposits and investments 103 52 

$2,367 41 

PAYMENTS 

For expenses, viz.; 

Salaxles $236 00 

Rent of building 200 00 

Other expenses 163 91 

598 91 

Other payments, vis. : 

Vault constmctiofn $146 13 

Insamnce 43 30 

Bond and mortgage 600 00 

689 43 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 1,079 07 

$2,367 41 



586 Bepobt on Dbfosit akd Stor^lOb Companies 

17. SMPIBB CITY SAFE J>EP0S11 COMPAVT, HBW TOSK GIT7 

[UO FlXtb avenae; Incorporated 1906.} 

OFFICERS 

B. J. 6REENHTJT, President. BDWARD SEAIULE, Secretary. 

SYDNEY H. HERMAN. Tlce-Pieeldcnt. ADOLPH V. CA BLfiON, Aaat See. 
SAMUEL BHIDBIi, VlM^^iesldemt, LOUIS J. WKIU TJraMorer. 

DntBCIOBS 

B. J. 6REENHT7T. SAMUBL KBI0BU H. H. YBEVL41fl>, 

JOSEPH HORNTHAL, HERBERT 8. MABXIN» L. J. WEIU 

W. A. OILLBSPIfi, JACOB A. OTBIN, S. H. HBBMAW. 

S. LEVY, 

FINANCIAL 



Stock and bond invefitmenta, market value $34, 184 00 

Vanlto and safes, cost, $81^18.76; estimated preMBt Tahie. 68,000 00 
Furniture and fixtures^ coat, $1,146^75; estimated present 

value 1 00 

Cash <m deposit with banks or other numeved institutieiia. . . . 8,483 M 

Safe rentals due and accrued 860 87 

Silver storage due and accrued 729 89 

Warehouse storage due and accrued 115 15 

Other assets, viz. : Interest accrued 457 90 

$107,832 77 

LIABILITIES 

Capital stock $100,000 00 

Excess of assets over liabilities 7,832 77 

$107,832 77 



CASH TRANSACnONS DUEINO THE TEAR 1818 

RECEIPTS 

Ca^ on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $1,454 44 

From rent of that portion of the building not occupied by the 

oompany 2,500 00 

From rent of safes 16,170 29 

From silver storage 510 77 

From warehouse storage 510 75 

From interest on k>ans, deposits and investments 1,498 90 

From all other sources, viz. : Sundries 68 21 

$21,781 86 

T?«» ^>^^^.^. •!- . PAYMENTS 

ror expenses, VIS.: 

Salaries $8,454 07 

Taxes and repaln on baildlnff 6afttf 

Rent of building 3.00OOS 

Other expenses 8.?M 87 

$18,936 69 

Other payments, viz. : 

Safes pnrchased 18.237 7i 

Bonds 2.000 00 

Cartage and packing 86 88 

Rebate on safe deposit box 7 28 

4,280 71 

Cash on hand and in banks, or other moneyed institutions 

December 31, 1918, after transactions of the day 3,483 96 

$21,701 36 



Empibk Sai^ Dxposrr Company 587 

18. XHPIKS ailV BKPOSIT OOMPAHT, KKW TCWK CITT 

[UO Broadway; faieorparsted IdlS] 

OFFIOEBS 

LE ROY W. BALJ>WIX, President. W. B. BAUDWIN. Treasurer. 

JOHN B. RUSSSLI^ Vlce-Preflldent. EIDWARD C. WIIjSON. Aat. Tleanrer, 

W. H. ENGLISH. Yice-PTCtldoit AMBBOSB M. THAYKR, Asst. Secretary. 

PAUL H. HUDSON, Secretary. ORIK R. KELLY, Asst. Treasurer. 

I>IB£GTOBS 

LB SOT W. BALDWIN. CHAS. H. ZSHNDXB. L. L. GILI^SFIE, 

W. B. BALDWIN. HENRY P. TALMADGE. JOHN H. ISBLIN, 

WM. H. ENGLISH, AUGUST HECKSCHER, C. 1)E L. OELRICHS, 

C. VANDERBILT BARTON. LEWIS L. DUNHAM, CHARLES M. SCHWAB. 

T. COLBMAN DU PONT. 

FINANCIAL 

RESOURCES 

St4Mk and bond inveftmemtB, oiuket Talne $15,000 00 

Vonlts and safes, coat, $94,723.37; estimated preaoit value. . . 94,729 37 

Cash OB deposit with banks or other moneyed iBstitutions. . . 27,190 82 

Cash on hand 100 00 

Other assets, vis.: Aocniad interest 97 41 

$137,117 60 

LI ABILITIES 

Gipital Stock $100,000 00 

Other liabilities, viz.: Equitable Building Corporation 27 ,190 98 

of assets over liabilities 9,926 62 

$137,117 60 



CASH TRANSACTIONS DURING THE YEAK 1918 



Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $20,337 03 

From rent of safes 54,334 19 

S^on silver storage 1 , 955 01 

From interest on loans, deposits and investments 860 09 

From an other sources, viz. : 

MiscellaneouB Income IQ 86 

Rent of vaults n,13S S 

11,197 17 



$88;384 09 



PAYMENTS 

For expenses, viz.: 

Salailes 126,064 28 

T^es and repairs on bnildiDg- 1, OOl 93 

Rent of bulling 21,9TO8B 

OUier expenses 6»415 96 

Other payments, viz. : 



15,000 00 

Equipment 628 86 



$65,458 42 



6,628 85 



Cash on hand and ui banks or other moneyed institutions 
Deconber 31, 1918, after transactions of the day 27 ,296 82 

$88,384 00 



588 Rbpobt on Deposit and Stobagb CoMPAxmss 

19. THE EQUITABLE SAFE DEPOSIT COHPAHT OF HEW TOSK. 

NEW TORE CITY 

[4S-<9 Exchange place; incorporated IMS] 

OFFICERS 

ALVIN W. KBBCH. President. FRANK B. RYON, Secretary. 

E. BRITTINGHAM, Vice-President. 

DIRECTORS 

ALVIN W. KRBCH. BUB8BLL BRrTTINOHAM. HBNRY B. COOPBR. 

LYMAN BH0ADB8. A. S. POST. HBNRY R. WINTHROP, 

R. B. HUNTBB. 

FINANCIAL . 

BBSOUBOE98 

Stock and boad ixiYestznents, market value $12,530 00 

Vaults and safes, furniture and fixtures, cost, $306,250.92; 

estimated present value 198,628 21 

Cash on deposit with banks or other moneyed inatitutions 1,984 57 

Cash on hand 50 00 

Safe rentals due and accrued 4,756 00 

Silver storage due and aocrued 182 20 

Other assets, viz. : Interest aocrued 168 33 

$218,299 31 

LIABILITIES 

Capital stock $200,000 00 

Other loans 8,000 00 

Excess of assets over liabilities 10,299 31 

$218,299 31 



CASH TRANSACnONS DURING THE YEAR 1918 

BBCBIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $15,420 13 

From rent of sales 71 ,745 66 

From silver storage 757 00 

From interest on loans, deposits and' investments 1,453 09 

From stocks and bonde sold, par value $22,000. Amount 

received therefor 21,266 63 

From loans paid 32,400 00 

From all other sources, vis. : 

Interest accrued $383 U 

New capital 60.000 00 

50,383 11 

$193,425 62 

PAYMENTS 

For loans paid $24,400 00 

For interest on bonds, loans and mortgages 158 32 

For dividends to shareholders 11,583 33 

For expenses, viz.: 

Salaries 133,317 14 

Taxes and reiMirs on building 1,208 75 

Rent of buil<Ung 6,00000 

Other expenses 6,899 91 

46,425 80 

Other payments, viz. : 

Bxtn compensation 14,978 39 

New yaults 103,628 a 

Bentals paid in adrance 217 00 

108,823 60 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 2,034 57 

$193,425 62 



The Faembes* Sape Deposit Company 589 

20. THS FASHERS' SAFE DEPOSIT COMPANY, NEW YORK aXY 

[476 FUth aTenve; incorpont^d 1916] 

OFFICERS 

BDWIN S. MAESrrON, President. HOEACB F. ROWLAND, AMt. Becretery. 

MirrEL SLOAN, Vlce-Preeldent JAMES B. LITTLE. Asst. Secretary. 

AUGUSTUS y. HBBLY. Secretary. WM. A. WILSON, Asst. Secretary. 

DIRECTORS 

IDWIN 8. MABSTON. AUGUSTUS V. HBBLY. CORNBLIU8 R. AGNBW, 

BAMUXL SLOAN, WILLIAM B. CARDOZO, HORACE F. ROWLAND. 

FINAIICIAL 

RESOURCBS 

Bonds and mortgages $100,000 00 

Stock and bond inveetmeDis, market value 16,545 00 

Cash on deposit with banks or other moneyed institutions 6,355 53 

Safe rentals due and aecrued 777 91. 

SilTer and warehouse storage due and accrued 23 00 

$123,701 44 

LIABILITIES 

Capital stock $100,000 00 

Other liabilities, viz, : Safe rentals unearned 6,837 67 

Excess of asseU over liabilities 16,863 77 



$123,701 44 



CASH TRANSACTIONS DURING THE YEAR 1918 

EBCEIFT8 

Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $3,813 29 

From rent of safes 11,133 OS 

From silver and warehouse storage 148 00 

From interest on loans, deposits and investments 5,568 34 

$20,662 66 

PAYMENTS 
For expenses, viz.: 

Salaries 14.646 40 

Rent of bonding 8,MO0O 

Otber ezpenaes 2,6C178 

$10,307 13 

Other payments, via. : Bonds purchased . . 4,000 00 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 6,355 53 

$20,662 66 



500 Eepobt OS DsposiT ajw SroiuaB Comfaioes 

21. FIDEUTT SAFE DBPOSIX COMPAinr OP HEW YORK, VSW TOfiK 

CITY 

[1 Hudson street; incorponted 1017] 

OFFICKRS 

SAMUEL 8. COKOVER, Preiideiit. ANDREW H. MARS^ Seentaxj. 

HAMPDEN B. TENNER, Yiee-Pnes. ARTHUA W. MXLLBN. Astt. Bee. 

DIRBCTOBS 

SAICmL 6. CONOYSB, JAMBS H. KILIiOUOH. HAMPD EN E . TBNKR, 
ADOX^PH KASTQR, D. W. WBmSOmX, JB. 

FINAMCIAIi 

RISSODBCBS 

Stock mod bond inyeBtmeiits, market value ^5,2^ 00 

VaulU and safes, cost, 123,927.20; estimated present value.. 22,000 00 

Cttfih on deposit with banks or otber muneyed institutions. . . . 2,195 09 

Safe rentals due and accrued 177 60 

Other assets, viz. : Accrued interest 511 95 

$120,119 54 

LIABILITIES 

Oopital stock $100,000 00 

of assets over liabilities '. 20»119 54 

$120,119 54 



CASH TRANSACTIONS DURING THE YEAR 1918 

-RECEIPTS 
Cash on hand and in banks or otkcr moneyed institutions 

January 1, 1918, before transactions of the day $23,573 50 

From rent of safes 8,887 55 

"BiKfOk ivarehouse storage 28 25 

From interest on loans, deposits and investments 5»015 94 

From stocks and bonds sold, par value $85,000. Amount 

received therefor 83,767 00 

From all other sources, viz. : 



Bonds depredation and charge off « |2,48S00 

Tault depreciation and charge off 927 20 

Accrued interest 8.41S U 



6,S25 81 



$5,468 45 



$128,005 55 

PAYMENTS 

For expenses, viz.: 

SataFiei 1 |2.M0«> 

Rent of building LiW 00 

OtSwT exp ti ns e s 1,438 46 

viz.: 

Vault 11.427 20 

Bonds and stocks.: 111,829 75 

Accrued interest 3,764 86 

Profit and loss 3.41020 

120,432 01 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 2, 195 09 

$128,095 55 



Fifth Avewtjb Safe Dbposit Company 591 

22. FIFTH AVKNIFE SAFB DEPOSIT COMPAITY, HEW TOSK CITY 

taso Fifth myenne; Incorporated USS] 

OFFICERS 

CDWABD H. FEA8IiE2E, President. WM. A. 6I1C0<X80N!, Treasurer. 

JAMES A. 8TILLMAN, Tlce-Presldent. WM. J. STT7RZENEGOEB, Secretary. 

TRUSTEES 

JAMS8 A. STILUf AM, LOT7I8 H. 8TARB. EDWARD H. PEASI^BB. 

WM. A. 8IM0K80N. U. B. DOMIKICIC. 

FINANCIAL 

BS00URGB8 

Stock and bond investments, market value $131,010 00 

Vaults and safes, cost, $54,493; estimated present value 10,000 00 

Cash OQ deposit with banks or other moneyed institutions 9, 197 30 

$146,207 30 



lilABIIilTIBB 

Capital stock $100,000 00 

Other loMM • 4,000 00 

Other liflhilitieB, viz. : 

Unpaid dividends 14,000 00 

aeemed 1,166 67 



5,166 67 
Excess of assets over liabilities 37,040 63 



$146,207 30 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Oash on hand and in banks or other moneyed lAstitutions 

Jaanary 1, 1918^ before transactions of the day $d,464 64 

From rent of safes 31,179 81 

From interest on loans, deposits and investments 5,373 28 

From stocks and bonds sold, par value $200,000. Amount 

received therefor 200,000 00 

From all other sources^ vis.: 



OpoDl^g safes and keys |91 W 

BocTOwed money 4,000 09 



4,091 80 



$246,109 53 

PAYMENTS 

For loans paid $500 00 

For dividends to shareholders 11 ,000 00 

For expenses, viz.: 

SaUrlee . 1X1,110 6» 

IS ^es ...•..•.•>.••••«««««.«.•.•*.•••••....•..••.••••..•.•• X, isTi 9v 

Bcot of building 7.00000 

Other expenses 2,907 67 



Other payments, viz.: 

Bale deposit boxes $2,196 00 

Boads 206,00000 



22,216 23 



207,196 00 



Cash on hand and in banks or other moneyed institutions 
December 31^ 1918, after transactions of the day 5, 197 30 

$246,109 53 



592 Kepobt ok Deposit and Storage Oompanibs 

2a. rfiANKLin safe deposit compant, bsookltn 

[166 Montague street; incorporated 1661] 

OFFICEBS 

EDWABD C. DBLAFIBLD. President. CROWELL HADDEN, Vice-PreeldeDt 

THORNTON QERRISH» Treaenrer. 

TRUSTEES 

CBOWBLL HADDBN. EDWARD C. DBLAFIBZ4D, CALVIN TRUESDALE, 

MARTIN J008T, SIDNEY R. KENNEDY. W. T. DIBFBNDORF, 

JOHN HILL MORGAN. THORNTON GERRISH. R. B. PRENTISS, 

BDWIN PACKARD, BAYARD S. LITCHFIELD. FREDEDIC T. PARSOKS, 

JOHN S. ROGERS. 

FINA19CIAL 

RESOURCES 

Bonds and mortgages $33,750 00 

Stock and bond investments, market value 48,575 00 

Vaults and safes and furniture and fixtures, cost, $69,679.60; 

estimated present value 39,500 00 

Cash on deposit with banks or other moneyed institutions.. 2,133 38 

$123,058 38 

LIABILITIBS 

Capital stock $100,000 00 

Excess of assets over liabilities 28,958 38 

$123,958 38 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $3,482 56 

From rent of safes 22,344 38 

From storage of valuables the safety of which is guaranteed 

by the company 3,077 10 

From warehouse storage 6 00 

From interest on- loans, deposits and investments 3,928 05 

From stocks and bonds sold, par value $12,000. Amount 

received therefor 8,371 00 

From loans paid 2,550 00 

4 

$43,757 (» 

PAYMENTS 

For dividends to shardiolders $8,000 00 

For expenses, vis.: 

Salaries $8,981 M 

Rent of building 6.794 17 

Other expenses S. 847 Si 

19,123 71 

Other paymoits, viz. : Bond and mortgage 14,500 00 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 2,133 38 

$43,757 09 



Oabfisld Safe Deposit Gompaky 593 

M. GARFIELD SAFE DEPOSIT COMPAUT, HEW TORE OTT 
[7 Weit Twenty-third street ; Inoorponted IMS] 

OFFICERS 

RI7EL W. POOR, Prestdent. WM. CRAWFORD, Vice-President. 

L. A. BESYIN. Vice-President. GEO. D. WEEKS, Tieftsiir«r. 

DIRECTORS 

LBANDBB A. BBVIN, HENRY B. FISHER. RUBL W. POOR. 

WILUAM CRAWFORD, EDWARD HOLBROOK, GEORGE D. WEEKS. 
ELMER A. DARUNG, THOS. £. KIRBY, CHARLES S. WILLS. 

FINAm;iAL 
RESOURCES 

Bonds and mortgages $37,819 05 

Vaults and safes, cost, $88,956.48; estimated present value. . 88,000 00 
Fumitore and fixtures, cost, $41,682.87; estimated present 

Talue 27,000 00 

Cash en deposit with banks or other moneyed institutions. . . . 2,957 11 

Cash on hand 29 67 

Safe rentals due and accrued 4,840 55 

Silver storage due and accrued 8,603 16 

Warehouse storage due and accrued 352 90 

$164,102 33 
LIABILITIES ====« 

Capital stock $150,000 00 

Expenses incurred but unpaid 497 50 

Other liabilities, viz.: 

Taxes accroed $724 90 

Salaries accmed 68 26 

Reserve 6,000 00 

5,793 15 

Excess of assets over liabilities 7,811 68 



$164,102 33 

CASH TRANSACTIONS DURING THE TEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed institutions'* 
January 1, 1918, before transactions of the day $1 ,251 80 

From rent of safes 44,356 35 

From storage of valuables the safety of which is guaranteed 
by the company and fr<»n silver and warehouse storage. . . . 6,704 69 

From interest on loans, deposits and investments. . < 1 ,846 05 

From all other sources, yic: 

Locks and keys $228 60 

Telephone 8 20 

Electric current 268 48 

490 13 



ta 



$54,649 02 
PAYMENTS ===== 

For dividends to shareholders $11 ,250 00 

For expenses, vis.: 

Salaries |16,8R8 86 

Taxes and rmalrs on building 1,186 97 

Rent of bulldKng 10.000 00 

Other expenses ....^ 8,867 62 

35,412 34 

Other payments, viz.: Bonds 5,000 00 

Cash on hand and in banks or other Moneyed institutions 

December 31, 1918, after transactions of the day 2,986 68 

$54,649 02 



694 Repoet ok Deposit and Storaob Companies 

25. GBEEin^CH SAFX DEPOSIT OOMPAITT, HEW TOSK CITT 

1196 WUUam ttreet; Incorponted 19131 

OFFICERS 

H. WARD FORD, PMildait. FRANK HAMMOND. Ticum. 

ALEXANDER WAJJSRa, Vice-President. 

BOtECTOBS 

H. WARD FORD, FRANK HAMMOND. EDWIN W. ORVIS. 

HBNRT R. CARSE. ALEXANDER WALKER. 

FINANCIAL 

RES0DIRCE8 

Stock and bond inrestments, market value $45,245 00 

Vaults and safes, cost, $<(1,374.35; estimated present value.. 56,500 00 

Gash an deposit with banks or other moneyed institutions. . . . 1,038 96 

Safe rentals due and aocrned 1 ,055 00 

$1(H,430 90 

LIABILITIES 

Capital atock $100,000 00 

SzcesB of aseets over liabilities 4,436 96 

$104,436 96 

CASH TRANSACTIOXS DURING THE YEAR 1918 

EBCEIPTS 

Cash on hand and !& banks or other moneyed institationa 

Jaanary 1, 1918, before transactions of the day $1 ,708 86 

From rent of safes 17,670 86 

From interest on loans, deposits ajid investments 1,977 51 

From stodcs and bonds sold, par value $21,000. Amoimt 
received therefor 22,548 74 

$43,905 99 

PAYMENTS 

For expenses, viz.: 

Salaries |7,nt67 

TaKee and repairs on building 1.20 00 

Rent of building 4.»l 96 

Other expenses..... J,12803 

$15,894 68 

Other payments, vi^: 

Liberty Bonds ftvO-M OG 

SaXe deposit boxes 1,871 S5 

26.374 35 

Gaah on hand and in banks or other moneyed institutions 

31, 1918, after transactions of the day 1 ,636 96 

$43,966 99 



GuARANTT Safe Deposit CoMPASfT 695 

aa GVISAIITT aAFB DEPOSIT COKPAaY, HSW TOSK CTTY 

(MTfliafiRS 

ALEXAJiDBft J. HBiCPHIIli, Prealdent. WAL1S& MBACHAX, Tietsorer. 
rwAttfjg H. aiBIN, Yloe-Prealdeiit. THARLBS M. BIIjLIKG8, Secretary. 

li. i>. STANTON. AMtL Secietezy- 

1HRBCIOB8 

EDWABD J. BBSWIND. ALEX. J. HSafPHIUk THOMAS W. LAMOlfCi 

HEKET P. DAFISOII, A. D. JUILLIARD, owaih.mm h. 8ABIJH, 

ALBERT H. WIGOIN. 

FrSANOAh 

asBoimcBS 

Stod: mod bond iiiTeBtiiiaitB, maxkei Tahie $0,000 00 

Yaulta and safes, cost, $256,540.48; eBtimated present Talue. . 192,903 52 

Otsh 4m deposit with banks or other atoneTed inatitiitMms 86,916 08 

Ssle Tentals doe and accrued 3, 165 00 

Other aasats, viz. : Interest accrued 100 26 

$244,080 86 

LIABILITI3B8 

Capital Bfcodc $200,000 00 

Other UsHHles^ viz.: 

Tkxi^ accmed ;30r. 50 

AdTance ratals SS»1B2 B4 

25,487 84 

Excess of assets oFer liahdlittes 18,593 02 

$244,080 M 



CASH TRAKSACnONS DURING THE YEAR 1918 

RECEIPTS 
Cssh on hjuid and in banks or other moneyed institutions 

January 1, 1918, before transax^tiQiia cRf the day $74,961 38 

Fran rest of safes 59,309 3tf 

From Interest on loans, deposits and investments 1*977 50 

From stocks and bonds sold, par value $35,000. Amount 

received therefor 35,000 00 



$171,338 24 

PAYMENTS 
For expenses, vix.: 

SalarieB 114,267 76 

Taxes and repairs on building 2,351 fi2 

Rent of bnilding 1«.620 00 

OtiMr expenses 11,M610 

$44,227 67 

Other pajnaents, viz. : 

U. ft. esrttteates 135,401 30 

Liberty Bonds 9,703 86 

Vault and equipment 42,138 36 

Unearned rentals 960 98 

88,194 49 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 38,916 08 



$171,338 24 



696 Repoet on Deposit and Stobagb Compajties 

27. THE HAXrOVER SAFE DEPOSIT COMPAHY, NEW YORK CITT 

[6 NasMQ street; incorporated 190S] 

OFFICERS 

WILLIAM WOODWARD, President HENRY R. CAB8B, Treasurer. 

EBiNBST ISBLIN, Yioe-PreBldent. EUOBNE A. VAN NBBT. SeoetaxT. 

HERBERT T. MAGRUDBR, Asst Secy. 

DIRECTORS 

WM. WOODWARD, HENRY R. GARSB, SAMUEL T. PBTBS8. 

WILLIAM W. BARBOUR, ERNEST I8EUN. 

FINANCIAL 
RESOURCES 

Stodc and bond investments, market value $6,415 00 

Vaults and safes, cost, $200,000; estimated present value 200,000 00 

Cash on deposit with banks or other moneyed institutions. ... 1,455 28 

S«fe rentals due and accrued 525 00 

$207,885 28 

LIABILITIES 

Capital stock $200,000 00 

Excess of assets over liabilities 7,895 28 

$207,805 28 

CASH TRAKSACnONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1018, before transactions of the day $5,867 78 

From rent of safes 61,587 89 

From interest on loans, deposits and investments 121 11 

From all other sources, vis.: Locks, keys, etc 1,390 60 

$68,467 88 

PAYMENTS " 

For dividends to shareholders $13,000 00 

For expenses, viz.: 

Salaries |I7,U7 00 

Taxes and repairs on building 2,132 4S 

Rent of boiling 24,000 00 

Other expenses 6,415 48 

48,665 51 

Other payments, viz.: 

Key deposit refund 16 00 

Bonds 5,841 61 

6,346 58 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 1 ,455 28 

$68,467 88 



Hudson Safe Deposit Company 597 

S8. HXTDSON SAFE DEPOSIT COMPANT, NEW TORS CITY 
[1411 Bioftdway; Incorpovated 1M8 me the New Amsterdam Safe Depoalt Company] 

OFFICERS 

FRANK T. BAIiDWIN, Prestdent. RICHARD A. PUBDY, Secretanr. 

JOHN OBRKINp Vice-President 

DIRECTORS 

J. ROM AINB BROWN, PAUL B. BCARFF. ROBERT H. ROUNTREE, 

CHARLES P. HOLM, RICHARD A. PURDT, FRANK Y. BALDWIN, 

JOHN OBBKBM» WM. P. RINCKHOFF, BARRON O. COLUER. 

CLARENCE P. KING. 

PINANOIAL 

RESOURCES 

Stock and bond investments, market value $108,878 00 

Vaults and sales, cost, $35,890; estimated present value 6,000 00 

Cash on deposit with bonks or other moneyed institutions. . . » 1,989 91 

Safe rentals due and accrued 2, 189 50 

Warehouse storage due and accrued 321 50 

$119,378 91 

LIABILITIES 

Capital stock $100,000 00 

Excess of assets over liabilities 19,378 91 

$119,378 91 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash aa hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $418 43 

From rent of safes 12,127 27 

From warehouse storage 817 22 

From interest on loans, deposits and investments 6, 343 49 

From stocks and bondbi sold, par value $5,000. Amount re- 
ceived therefor 4,908 53 

Fran all other sources, viz.: 

Opening safes 197 50 

Kegrs 22 66 

Simdrtes 156 25 

245 40 

$24,661 34 



PAYMENTS 

For dividends to shareholders $5,000 00 

For expenses, vis.: 

Salaries $4.905 08 

Taxes and repairs on building 1.822 60 

Bent of bolldiDg 1.80000 

Other expenses 60107 

8,629 74 

Other payments, via.» 

Attorney's fees 1300 45 

Electric protection 487 00 

Locks, keys, etc 1,064 56 

Stationery, advertising, etc 473 00 

Rebates 49 68 

Directors' fees 615 00 

Contribution to Red Cross, etc 850 00 

Accrued interest 2 11 

Bonds '• 6.826 00 

9,041 69 

Cash on hand and in banks or other moneyed institutions 

Deconber 31, 1918, after transactions of the day 1,989 91 

$24,661 34 



598 Eepobt oif Dbposit astd Stobagb Cokpaiobs 

29. KnCXEBBOCXXR RAIV nXFOfilT G0HPAM7, inW IQSK Cmr 

[Si8 Sink aycnH; IncoipanitoA IMI] 

OmCBBS 

CHABLB8 H. KXSFL Fratldttit. CHARMS a MDMUU. VMnonr. 

BENJ. L. ALLBN, Vlce-Pxaldaiit. HAXKIS A. SiUNN. SecreUrj. 

LANOLET W. WIGGIN, Vice-PreBident. CHABIiES F. MINOR, Aast. Treas. 

DIRfiCTOBS 

BENJAMIN II ALLEN, CHASLBB EL KSUKB, FRBIFK O. BOTOCT Bb 

HOWARD BAYMBL HARRIS A. DDim. 

FINANCIAL 

RESOURCSS 

Stock and bond inveBtments, market value $73»525 00 

Beal estate, cost, $89^42.43; estimated present value 04,698 93 

Vaolts and safes, cost, $19,712.20; estimated present valne. . 7,399 90 

Ciaah on deposit with banks or otlrar moneyed institntioas 8,480 06 

Cash on hand 60 00 

$154,163 28 

LIABILimS 

Capital stock $100,000 00 

Excess of assets over liabilities 04,153 28 

$154,163 28 



CASH TRANSACnOWS DIHONG THE YEAR 1918 



Cash on hand and in banks or other mcmtfy^d iaalitiitioiiB 

January 1, 1918, befcnre transactions of the day $1,809 78 

From rent of safes 55,5fe8 40 

From interest on loans, deposits and invMtmwits 5,062 33 

$62,«B0 61 



PAYMENTS 

For dividends to shareholders $5»000 00 

For expenses, vis^i 

Salaries |18,n6 20 

Taxes and repairs on buildlDg 2,469 61 

Rent of bulldtnar 29.000 IS 

Other expenses 2,434 49 

47.480 46 

Other payments, viz. : Liberty bonds 1»410 00 

Cash on hand and in banks or other moneyed institationa 

December 31, 1918y-after transactions of the day 8>630 06 

$62,420 61 



Th£ Lxkcoln Safe Dbfosxt Combai^t 59& 

80. THB LINCOLlf SAFE ]»POBIT OOMPANY, HEW YORK QXT 

£60-72 Bast Forty-Mcond atrtet; Incorporated 1881) 

OFFICERS 

F. EGERTOX WEBB. President. WALTER C. RBID, Ylee'4>i«aldaBt. 

B. E. OliCOTT, Yic^-PTMident. WILLIAM J. MURPHY, Treasnrw. 

TRUSTEES 

RUFUS B. COWINO, FREDERIC R. CX)UDBRT, HBXRT R. TOWNS, 

E. E. OLCOTT, WILLIAM A. 8IM0NS0N, LBWI» ISELIN, 

F. EGERTON WEBB. W. K. VANDBRBII/r, Jl.. WILLIAM S. HAWK, 

JOSEPH P. GRACB. 

FINANCIAL 

BESOURCBS 

Stodc and bond inTeatmcnts, market raltie $405, 193 00 

Real estate and vaults and safes^ cost, $2,471,516; estimated 

present ralue 2,600,000 00 

Oaah on deposit Tvdth banks or other moneyed institutions.. 18,680 87 

Cash oh hand ." 700 00 

Safe rentals due and axxrued 10,777 26 

Silver storage due and accrued 22,644 68 

Warehouse storage due and accrued 162,646 07 

Other assets, viz. : 

Packing material |8,400 0O 

Boildlng eqoipment 1,800 00 

5,200 00 

$3,126,641 68 



LIABILITIES 

Capital stock $1 ,000,000 00 

Loans secured by bond and mortgage 400,000 00 

Other loans 134,000 00 

Interest due and accrued on loans 1 , 875 00 

Expenses incurred but unpaid 6,997 76 

Other liabiliities, viz. : Taxes accrued 17 ,600 00 

Excess of assets over liabilities 1,666,268 92 

$3,126,641 68 



CASH TRANSACnONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $23,543 12 

From rent of that portion of the building not occupied by the 

company 63,666 66 

•From rent of safes 92,232 41 

From silver storage 46,846 47 

From warehouse storage 248,201 67 

From cold storage 61 ,251 11 

From interest on loans, deposits and investments 11 ,691 67 

From all other sources^ viz.: Money borrowed 140,000 00 

$667,432 91 



600 Report ow Deposit and Storage Compares 

payments 

For loans paid $60,000 00 

For interest on bonds, 'loans and mortgages 18,000 00 

For dividends to shaj^olders 100,000 00 

For expenses, viz. : 

Salaries |139,8» «7 

Taxes and repairs on building 78,250 68 

Other expenses 93,G48 25 

311,728 90 

Other payments, viz.: 

Bonds 1146,000 00 

Charges advanced for customers 7,443 16 

Refund to customers 4,979 98 

158,423 U 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 19,280 87 

$667,432 91 



The Long Island Safe Deposit Company 601 

81. THE LONG ISLAHD SAFE DEPOSIT COMPAUT, BSOOXLYM 

[136 MonUfoe ttrect ; Incorporated 11171 

OFFICERS 

FRANK L. 8NIFFBN. Preddont JOHN F. TAUfADOB. TrMrartr. 

FRANK BAILET, Vlce-PrMldent. HABBY T. WINO, Secretary. 

DIRECT0B8 

FRANK BAILBY, JOHN L. HBIN8, EDWARD W. RIDER. 

HENRT C. BALDWIN. RBM8EN JOHNSON. NELSON B. SIMON. 

EDWARD T. BEDFORD, CLEMENT LOCKITT, FRANK L. SNIFFBN, 

IfATHEW DEAN. EDGAR McDONALD, JOHN F. TALLMADGB, 

JOHN A. DITMAS. D. IRVING MEAD, BDWARD O. STANLEY. 

DESMOND DUNNE. CHAS. A. 0*DONOHT7E, JULIUS STRAUSS. 

FINANCIAL 
RESOURCES 

Bonds and mortgages $70,100 00 

Stock and bond inTeatments, market value 48,000 00 

Furniture and fixtures and safes, cost, $26,994.35; estimated 

present value 2,000 00 

Cash on deposit with banks or other moneyed institutions. . . 4,424 71 

Safe rentals due and i^scrued 2, S17 76 

Warehouse storage due and accrued 144 60 

Other assets, viz. : Accrued interest 1,176 76 

$128,163 72 

LIABILITIES 

Capital stock $100,000 00 

Other liabilities, viz.: 

DiTldends declared $3.000 00 

Taxes accmed 793 79 

Prepaid safe and storage rentals 8,547 48 

12,341 27 

Excess of assets over liabilities 15,822 46 

$128,163 72 



CASH TKANSACnONS DURING THE YEAR 1918 

RECEIPTS 
Cash <m hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $7,231 38 

From rent of safes 18,246 00 

From storage of valuables the safety of which is guaranteed 

by the company 1 ,276 26 

From interest on loans, deposits and investments 5,987 00 

From loans paid 8, 126 00 

From all other sources, viz.: Kcfund on surety policy pre- 

mimn 1 94 

$40,867 67 



PAYMENTS 

For interest on bonds, loans and mortgages $24 04 

For dividends to shareholders 6,000 00 

For expenses, viz. : 

Salaries |8,«60 84 

Taxes and repairs on Imlldlng 715 67 

Rent of bnildinff 8.200 M 

OUker expenses 8,838 98 

14,918 82 

Other payments, viz.: Bonds and mortgages 15,500 00 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 4,424 71 

$40,867 67 



602 Eepobt ok Deposit and Stosaos Companies 

88. UADISOlf &AF£ DEPOSIT COMPAHTt MEW TOSK CITT 

£204 FUth ayenae; incorporated 1M3] 

OFFIOEBS 

ALEXANDER 8. WEBB, President. CHARLES E. CALHOUN. Treasnrer. 

OWEN WARD. Vioe-Piwldent. ARNOLD F. BCHMITT, Seeretary. 

DIRECTOBS 

CHA8. B. CALHOUN. HORACE P. POOR, ARNOLD F. BCHMITT. 

C. MORTON WHIXMAN, CHAS. C. VAXJCmiNB^ ABRAM M. HTATT^ 

LEOPOLD DEMUTH. STDNET ARONBTBIN. LOUTS BTBRM. 

GEOJEbQE LBASK. NJDLSON F. GRI FFIN. OWEN WARD. 

ALEXANDER S. WSBB. 

FINANCIAL 
BEBOURCBB 

Stock and bond investments, market value $31 ,190 00 

Vaults and safes, cost, $101,363.92; estimated present value.. 86,000 00 

Cash on deposit with banks or other moneyed instituti(ms. . . . 2,997 56 

Cash on hand 73 44 

Safe rentals due and accrued 632 15 

Silver storage due and accrued 1,347 65 

Other assets, viz. : 

Salaries and rent paid In advance fSOO 00 

Interest accrued 4866 

348 06 

$122,588 88 

LIABILITIES 

Capital stock $100,000 00 

Expenses incurred but unpaid 19 00 

Other liabilities, viz.~: Taxes accrued 603 79 

Excess of assets over Ji'abilities 21,966 09 

$122,588 SS 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $11,660 84 

From rent of safes 22,361 81 

From storage of valuahleB and silver the aaiety of whidi is 

goarante^ by the company 2,304 80 

From interest on loans, deposits and investments 1,406 55 

From all other sources, viz.: 

U. S. certificates of Indebtedness |18,086«a 

Locks and keys 163 75 

Expense refund 126 48 

13*315 85 

$51,049 85 

PAYMENTS 

For dividends to shareholders $5,600 00 

For expenses, viz. : 

Salaries |6,7W 15 

Taxes 1,934 81 

Rrat of building t,8T5 SO 

Other expenses 8.64041 

U,167 48 

Other payments, viz.: 

U. S. certificates of indebtedness 118.088 81 

Rebate safe rentals 100 ST 

BAats storage 100 

Locks and keys 886 88 

28,394 61 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 2»997 56 

$51,049 85 



The Mercantile Safe Dspoair Cokpakt 603 

83. THE MSRCAMTILK SAF£ DEP0J3IT COMPANY. IVSW TOXK CITY 

[US Bioadway; iBcoipoEated 1S7S] 

OFPICERS 
WILUAM QIBLIN, President. F. J. MOONBT, Treasurer. 

CHBLL£S A. AUSTIN, Vlce-Freekhent. 

BIRECT0R6 

JAMES 8. ALEXANDffR, PHILIP A« S. VKANKLIN. SEWARD PROSSER. 
LOmS V. BRIGHT. CHBLLIS A. AUSTIN, CHARLES H. SARIN. 

LEWIS L. CLARKSL WILLIAM GIBLIN. F. A. VANDEBLXP, 

ALLBN B. Vt«BX8. CLARENCE H. KBL8BT, ALBERT H. WIGQIN, 

AN80N W. BURCHAfiD. 

FINANCIAL 

RIBSOURCIBS 

Stock and bond investments^ market value $1^,000 00 

Vaults and safes^ cost, 4430,222^; estimated present value. . 241,901 05 

Louis on collaterals and personal securities 16,247 41 

Gaalion deposit with banks or other moneyed institutiona. . . 7,624 60 

Cash on hand 316 01 

Safe rentals due and accrued 9,665 42 

Other assets, viz. : Interest accrued 30 10 

$290,784 59 



LIABILITIES 

Capital stock $200,000 00 

Other loans 7,500 00 

Other liahiHiies, viz. : 

Reserve for taxes M.WS 71 

Advance rentals oneamed 63,836 10 

68,785 81 

Excess of assets over liabilities 24,498 78 

$290,784 50 



CASH TEANSACnOXS BUWXG THE YEAH 191S 

RECEIPTS 
Cash on hand and in banks or other moneyed iiiBtitution« 

January 1, 1018, before traneactiOBs of the day $310 34 

From rent of that portion of the building not occupied by the 

company 10,862 43 

From rent of safes 120,643 53 

From storage (A valuables the safety of which is guaranteed 

by the oqmpany 84 37 

From interest on loans, deposits and investments 5,704 76 

From stocks and bonds sold, par value $110,000. Amount 

received therefor 105,264 07 

$242,869 50 



PAYMENTS 

For loans $1,189 41 

For dividends to ahardholders 16,500 00 

For cspoiBes, viz.: 

SaUriea SW.B70 62 

Taxes and repairs on bnlldlng 3,489 S7 

Rest of bnildiBX 38.016 68 

Other expeBses 11,856 36 



Other payBientB, viz. : 

Stocks and bonds 128,000 00 

Equipment 1,306 15 

Capital stock reduced 100.00000 



87,933 33 



129,306 15 



Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 7,940 61 

$242,869 50 



604 Repoet on Deposit and Storage Companies 

34. METROPOUS SAFE DEPOSIT COMPAIfT, HEW YORK DTT 

[31 Union square; incorporated 1917] 

OFFICERS 

STANLEY T. C0ZZEN8, Preeldent EDWIN & LAFFEY, Treasnier. 

CHARLES SCRIBNER, Vice-Preeident. 

DIRECTORS 

STEPHEN BAKER, STANLEY T. COZZBNS, EDWARD C EVANS, 

CHARLES SCRIBNER, JOHN C. MOORB. SAMUEL SLOAN, 

WILLIAM SCHRAMM, HAROLD H. HACKBTT, MICHAEL FRIEDSAM. 

FINANCIAL 

RESOURCES 

Stock and bond InTefltments^ market value $101,760 00 

Vaulta and safes, cost, $1.00; estimated present value 5,000 00 

Cash on deposit with banks or other moneyed institutions. . . . 5,866 60 

Safe rentals due and accrued 1,807 50 

Silver storage due and accrued 206 2S 

$114,732 33 

LIABILITIES ^ 

Capital stock $100,000 00 

Excess of assets over liabilities 14,732 33 

$114,732 33 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $7,290 32 

From rent of safes 20,622 64 

From silver storage 347 25 

From interest on loans, deposits and investments 4,660 45 

From stocks and bonds sold, par value, $25,000. Amount 

received therefor 25,718 75 

From all other sources, viz.: 

Payment for lost keys $1510 

Payment for breaking open safes 63 25 

68 35 



$58,707 76 



PAYMENTS 
For expenses, viz.: 

Salaries 17,678 18 

Rent of building 12.000 00 

Other expenses 4,2tt 98 

^ $23,841 16 

Other payments, viz. : Bonds purchased 29,000 00 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 5,866 60 

$58,707 76 



The Mount Vbbnon Safe Deposit Company 605 

85. THE MOUHT YXHHON SAFE DEPOSIT COMPANT, MOUlfT VEHNOH 

[20 But Flnt street; Incorporated IMS] 

OFFICERS 

▲BCHIBALD M. CAMPBELL, Prcflldent. M. H. HALL, Treasarer. 

MA&K D. STILES, Vice-Presldeiit 

DIEEOTOItS 

AfiCH. M. CAMPBELL, MABK D. STILES, M. H. HALL, 

A P. GE8CHEIBT. GEOBGE H. BEOWN. 

FINANCIAL 
RE80UBCES 

Bonds and mortgages $5,735 00 

Stock and bond investments, market value 14,755 00 

Cash on deposit with banks or other moneyed institution 144 97 

Safe rentals due and accrued 149 00 

Silver storage due and accrued 447 00 

$21,230 97 

LIABILITIES 

Capital stock $10,000 00 

Other loans 3,000 00 

Excess of assets over liabilities 8,230 97 

$21,230 97 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Gash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $586 92 

From rent of safes 4,885 00 

From storage of valuables the safety of which is guaranteed- 

by the company 115 25 

From ulver storage _. 738 40 

From interest on loans, deposits and investments 1,370 11 

From loans paid 580 00 

$8,275 68 

PAYMENTS 

For loans paid $1,523 95 

For interest on bonds, loans and mortgages 230 95 

For expenses, viz.: 

Salaries 13.177 78 

Bent of boildlng S,4G0 00 

Other expenses 748 OS 

6,375 81 

Cash on hand and in banks or other moneyed institutions 

Deoonber 31, 1918, after transactions of the day 144 97 

$8,275 68 



606 'Report oir Dxposit Aim Stobagb Compastdob 

Se. HXW MAIDEK iJOn fiJUrS DSFOSri OaMPAHT, VXV TOSK cin 

[ITt BnMAwttj; tneorpontei ttll] 

OFFICBKS 

AUGUST OPPSNHSIMBBv PreildMt. J, HSTRBIL Ticuuir. 

L W. GOKBTAIR, Vlot-PMltet. 

DntEGTOBS 

ISAAC W. COKSrAIB, RUDOLPH BBINHART, LXJDWIO NI8SBN. 

FRED GOLDSMITH, LEOPOLD STERN, J. HEYNBN^ 

CHARLES R. JUNG, LEO WORMSER, GEO. R. WHITBHSAD» 

AUGUST OPPENHBIMBR, MAX KALLMAN. 

REISOURCBS 

Stock and bond iny^stments, market value $25,240 00 

Vaults and safes, cost, $80,826.50; estimated present value. . 79«528 60 
Furniture and fixtures^ cost, $5,838.84; estimated present 

value S,000 00 

Gaslk on deposit with banks or other moneyed institutions. . . 4,694 33 

Cash on hand Ill 22 

Other assets, viz. : Interest accrued 357 33 

$112,929 38 

LIABILITIES 

Capital stock $100,000 00 

Other Halrflities, viz.: 

Unpaid diTldends $2.600 00 

Key deposits 498 00 

2,998 00 

Excess of assets over liabilities 0,931 38 

$112,92» 38 

CASH TRANSACTIONS DURING THE TEAR 1918 

RECEIPTS 
Caflh on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the dxy $5,329 2$ 

From rent of that portion of the building not occupied by the 

company ^. . 3, 148 90 

From rent of safes 18,084 14 

From interest on loans, deposits and investments 1,202 25 

From all other sources, viz. : Key deposits 203 00 

$87,964 57 
PAYMENTS ■■— »— — — 

For interest on bonds, loans and mortgages $3 00 

For dividends to shareholders 2,500 00 

For expenses, viz^: 

Salaries fT.BM 87 

Rent of bolldln? 7,«»00 

Other expenses 1,848 90 

16,621 77 

Other payments, viz.: 

Insurance |148 OB 

Taxes 784 20 

Counsel fee 1«^00 

Key deposits MOO 

U. S. certificates 8,000 00 

4,034 25 

Cash on hand and in banks or other moneyed institotians 

December 31, 1918, after transactions of the day 4,805 S5 

$27,9<(4 67 



Naw BocHBixB Sapb Dbfosit Company 607 

87. HXW aOGHIUB SAFE ]>K>O0IT COHPAHT, NBW SOCHELLE, N. T. 

[264-M Main street; Incorponited 1902] 

OFFIGSBfi 

WILLIAM W. BISSBLIi^PKflldeAt HBNRI J» VAN ZEIM^ Sccntary. 

BOBEBT P. CAHPBNCTB» Tlce-Preddest mvINQ B. TODD. ABst. Seervtaij* 

DEtRSCTORS 

W. W. BI88RLL. THOS S. DRAKE. ALBERT MAHL8TEDT. 

B. P. CABPBNTBB, ALONZO GUEST. J. A. YOUlVO. 

FmAKdAL 

Bfi)BOURC]a» 

Stock and bond inyestmeiits, market value $6,000 00 

Vaults and safes, cost, $18,749.28; estimated present value.. 16»464 00 

Cash on deposit with banks or other moneyed institutions. . . 1,760 43 

Safe rentals due and accrued 469 50 

Silver storage due and accrued 1 ,370 36 

$26,064 2& 



LIABILITIES 

Capital stock $10,000 00 

Excess off aaseta over liaUUties 16,064 29 



$26,064 29 



CASH TRAKSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cadi on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $633 96 

Fnm rent of safes 4,483 04 

Fran silver storage . . . , , 1 ,716 07 

From interest on loans, deposits and investments 373 09 

$7,206 le 



PAYMENTS 

For dividends to shareholders $1,600 00 

For expenses, vis. : 

Salaries 1866 OS 

Taxes and repaiia on bnlldlnir 313 04 

Rentof bnildfii... 1,000 OS 

Otiier exi^enses 268 69 

2,381 73 

Oiher psyaaents, viz. : New safes 1 ,464 00 

OmIi OB htanA and in banks or other moneyed institutions 
December 31, 1918, ^fter transactions of the day 1,760 43 

$7,206 15 



608 Kepost on Deposit and Storage Companies 

38. NEW YORK PRODUCE EXCHANGE SAFE DEPOSIT AND STORAGE 

COMPANY, NEW YORK QTY 

[2 Broadway; incorporated 1883] 

OFFICERS 

WM. A. NASH. President. SAMUEL G. BAYNE, Treararer. 

PABMLY 8. CLAPP, Yice-Presldent. EDGAR G. SEE, SecreUry. 

TRUSTEES 

8. O. BAYNB. FRDiyE LEWISOHN. ALFRED C. BEDFORD. 

HENRY E. COOPER, WILLIAM A. NASH, RICHARD M. HOE, 

JOHN A. HANCE, SAMUEL OWEN. E. H. R. GREEN, 

L. M. DASHIELL, PETER McDONNELL. GUSTAV SCHWAB. 

PABMLY S. CLAPP. 

FINANCIAL 
BESOURCES 

Stock and bond investmentB, nmrket value $49,640 00 

Vaults and safes and furniture and fixtures, cost, $212,944.52; 

estimated present value 173, 835 24 

Cash on deposit with banks or other moneyed institutions 17,112 49 

Other assets, viz. : Insurance paid in advance , 6,537 00 

$247,124 73 

LIABILITIES 

Capital stock $150,000 00 

Expenses incurred but unpaid 2,416 67 

Other liabilities, vix.: 

Kej deposits $1,4200(1 

Special deposits 2,613 60 

4,033 50 

Excess of assets over liabilities 90,674 56 

$247,124 73 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $9; 270 17 

From rent of safes 69,412 33 

From storage of valuables the safety of which is guaranteed 

by the company 170 00 

From warehouse storage 25,033 76 

From interest on loans, deposits and investments 2,079 47 

From all other sources, viz. : 

Lost keys tT8 80 

Special deposits 2,00000 

2,073 80 

$108,039 53 

PAYMENTS 

For dividends to shareholders $18,000 00 

For expenses, viz.: 

SaUries I20.W2 87 

Taxes and repairs on. buildlnir 5,063 13 

Bent of bulWlng 18,50000 

Other expenses 15.745 21 

54,881 21 

Other payments, viz.: 

Cartage and freight 14,074 83 

Inyestments 13,486 00 

Charged special accounts 606 00 

18,045 83 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 17,112 49 

$108,039 53 



Xew York Stock Exchange Safe Deposit Company 609 

39. NEW YORK STOCK EXCHANGE SAFE DEPOSIT COMPANY, 

NEW YOKK CITY 
[10 Broad street; incorporated 1913] 

OFFICERS 

JAMES B. MABON, President WARRBN B. NASH, Treasmer. 

HENRY K. POMROY, Vice-President. WILX,IAM B. POTTS, Assistant Treasurer. 

MARION J. VERDERY. Secretary. 

DIRECTORS 

JAMES B. MABON, SEYMOUR U CROMWELL, HENRY K. POMROY, 

WILUAM B. POTTS. WARREN B. NASH. 

FINANCIAL 

RESOURCES 

Stock and bond investments, market value $109,275 00 

Vaults and safes, cost, $24,500; estimated present value 24,500 00 

Furniture and fixtures, cost, $500; estimated present value. . 500 00 

Loans on collaterals and personal securities 115 00 

Cash on deposit with banks or other moneyed institutions... 6,852 81 

Cash on hand '. lOO 00 

$140,342 81 

LIABILITIES 

Capital stock $100,000 00 

Excess of assets over liabilities 40,342 81 

6140,342 81 

CASH TRANSACTIONS DURING THE YEAR 1919 

RECEIPTS 
Cash on hand and in banks or other moneyed institn lions 

January 1, 1918, before transactions of the day $8,216 74 

From rent of that portion of the building not occupied by the 

company ". 1 , 000 00 

From rent of safes 67 ,905 62 

From interest on loans, deposits and investments /5, 251 25 

From stocks and bonds sold, par value $10,000. Amount 

received therefor 10,010 00 

From all other sources, viz.: From safe holders for sundry 

items \ 175 35 

.?f)2,648 m 

PAYMENl'S 

For dividends to shareholders .'?6,000 00 

For expenses, viz.: 

Salaries $20,259 20 

Taxes and repairs on building 1, 562 13 

Rent of building 35,500 00 

Other expenses 5,710 84 

63,032 17 

Other payments, viz.: 

Accrued interest $38 98 

Bonds 17,500 00 

Kmployees Liberty Loan account U 5 ro 

Refund safe rent 10 *) 

17,663 98 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 5,962 81 

$92,648 96 
20 



610 



Eeport on Deposit and Storage Companies 



40. OSSINING SAFE DEPOSIT COMPAHT, OSSININO 

[139 Main street; Incorporated 1906] 

OFFICERS 

GEORGE F. SECOR. President. MERRTTT W. BARNUM, Treasurer. 

PAUL M. PIER80N. Vice-President HARRY M. CARPENTER, Secretary. 

DIRECTORS 

ROBERT M. AKIN. GEORGE F. HOAG, GEORGE F. SECOR, 

MBRRITT W. BARNUM. MILTON C. PALMER. CHAS. O. WASHBURN. 

T. HENRY CALAM, PAUL M. PIBRSON, WILLIAM A. RANNBY^ 

HARRY M. CARPENTER, JOHN P. POWERS. EDWARD B. SHERWO&D 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2,500 00 

Stock and bond investnoients, market value 3,916 50 

Vaults and safes^ cost, $13,000; estimated present value 13,000 00 

Loans on collaterals and personal securities 700 00 

Cash on deposit with banks or other moneyed institutions. . . . 723 82 

$20,840 32 

LIABILITIES 

Capital stock $20,000 00 

Excess of assets over liabilities 840 32 



$20,840 32 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day 

From rent of safes 

From silver storage 

From interest on loans, deposits and investments 

From all other sources, viz. : Assessment of shareholders . . . 



PAYMENTS 

For expenses, viz. : Other expenses 

Other payments, viz.: Purchase of Liberty bonds 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 



$493 53 
525 00 

78 88 

203 70 

1,492 50 



$2,793 61 



$174 32 
1,895 47 

723 82 



$2,793 61 



PowBB City Sape Deposit Coepoeation 611 

41. POWER CITY SAFE DEPOSIT CORPORATION, NIAGARA FALLS 

[207 Falls street; incorporated 1916] 

OFFICERS 

PAUL A. 8CH0BLLK0PF, Prealdent. FRANCIS H. SALT, Trrawirer. 

FRED J. COB, Vice-Preeident. EDSON P. PPOHL. Secretary. 

DIRECTORS 

FRED J. COB, FRANK W. HASKELL, BDSON P. PFOHL, 

MORRIS COHN, JR., JOSEPH B. M0NTA6TJB, FRANCIS H. SALT, 

CHAS. B. HAEBEELE. FEED MASON, PAUL A. SCHOELLKOPF. 

FINANCIAL 

EBSOUECES 

Real estate, oost, $14,902.02; estimated present value $14,902 92 

Cash on deposit with banks or other moneyed institutions. . . 2,346 13 

Safe rentals due and accrued 76 00 

$17,325 05 

LIABILITIES 

Capital stock $15,000 00 

Excess of assets over liabiKties 2,325 05 

$17,325 05 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hsnd and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $1,561 18 

From rent of safes 1 ,702 75 

$3,263 93 

PAYMENTS 

For dividends to shareholders $900 00 

For expenses, viz. : Other expenses 17 80 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 2,346 13 

$3,263 93 



612 Repobt on Deposit and Stobagb Compaioes 

4d. ROCKLAin) COUNTY SAFE DEPOSIT COMPANY, NYACE 

[2 South Broadway ; incorporated 1910] 

0FFICEB8 

FRANK B. CRUMBIS, President. EUGENE F. PERRY, Vice-Presldeot. 

ARTHUR A. G. L.UDERS, Treasurer. 

DIRECTORS 

FRANK R. CRUMBIB, HOWARD VAN BURBN, A. S. TOMPKINS. 

JAMES KILBY, ICUGBNE F. PERRY, ARTHUR A. O. LUDERS, 

aOBEUT SCHMITT. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $2 ,000 00 

Vaults and safes, cost, $8,000; estimated present value 8,000 00 

Cash on deposit with banks or other moneyed institutions 1,157 40 

Safe rentals due and accrued 214 00 

Silver storage due and accrued 216 75 

$11,58S 15 

LIABILITIES 

Capital stock ^ $10,000 00 

Excess of assets over liabilities 1 ,588 15 

$11,588 15 

CASH TRANSACnONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $1,021 52 

From rent of safes 1 , 185 75 

From silver storage 69 85 

From interest on loans, deposits and investments 63 34 

$2,340 46 

PAYMENTS 

For dividends to shareholders $1 ,000 00 

For expenses, viz. : Other expenses 183 06 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 1,157 40 

$2,340 46 



The Safe Deposit Company of New York 613 

43. THE SAFE DEPOSIT COMPANY OF JXTW YORK, NEW YORK CITY 

[149 Broadway; incorporatecl 1B61] 

OFFICEBS 

PRANKWN A. PARK, President. W. J. RAM8BT. Secretary. 

STEPHEN C. CLARK, Vice-Presldeot. STEPHEN H. ANDERSON. Asst. Secty. 

C. L. MITCHELL, Vice-President. 

DIRECTORS 

THAD. T. GROVBR, STEPHEN C. CLARK. FRANKLIN A. PARK. 

FRBD*K G. BOURNE, ARTHUR K. BOURNE, C. L. MITCHELL. 

FINANCIAL 

RESOURCES 

Stock and bond investmeints, market value $100,808 00 

Vaults and safes, cost, $156,000; estimated present value... 90,000 00 

Cash on deposit with banks or other moneyed institutions. . . 8,333 68 

Cash on hand * 200 00 

$109,341 68 

LIABILITIES 

Capital stock $100,000 00 

Other Habilities, viz. : Unpaid dividends 65 00 

Excess of assets over liabilities 99 , 276 68 

$199,341 6$ 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day. $5,506 7^ 

From rent of safes 73,967 78 

From storage of valuatAes the safety of which is guaranteed 

by the company 519 75 

From interest on loans, deposits and investments ^ 4,531 40 

From all other sources, viz. : 



Telephones |9 64 

Breaking locks and new keys fi2 85 

Letterboxes 66 00 

Vaults and safes 995 00 



1,112 49 



$85,628 18 

PAYMENTS 

For dividends to shareholders $8,000 00 

For expenses, viz.: 

Salaries $20 996 83 

Rent of building 22,500 00 

Other expenses 11,410 14 



Other payments, viz.: 

Pro rata rentals returned |32 21 

Investments^ bonds purchased « 14,000 OO 

Accrued interest. 40 22 

Vaults and safes 115 10 



54,906 97 



14,187 53 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 8,533 68 

$85,628 18 



614 Report on Deposit and Storage Companies 

44. SECURITY SAFE DEPOSIT COMPANY OP BROOKLYN, BROOKLYN 

[De Kalb ayenue and Fulton street; Incorporated 1909] 

OFFICERS 

GEORGE A. FLBURT, President. ARTHUR J. MAUGBR, Secretary, 

UEORGE cox. Vice-President 

DIRECTORS 

OEORGE a. FLEURT, CHARLES B. TEALE. RUSSELL S. WALKER, 

B. F. BARNES. JULIAN P. FAIRCHILD. JOHN W. NIX, 

EDWARD 0. BLUM. B. W. SUTTON, GEORGE T. MOON, 

OEORjGB COX, F. W. JACKSON. 

FINANCIAL 

RESOURCES 

Bonds and mortgages $16,750 00 

Stock and bond investnvents, market value 25, 121 50 

Vaults and safes, cost, $76,223.10; estimated present value.. 76,223 10 

Cash on deposit with banks or other moneyed institutions 8,747 50 

Cash on hand 117 56 

Safe rentals due and accrued 1 , 172 00 

Silver storage due and accrued 1 , 152 50 

Other assets, viz. : Interest accrued 649 33 



$129,933 49 

LIABILITIES 

Capital stock $100,000 00 

Expenses incurred but unpaid 1 , 030 59 

Other liabilities, viz.: 

Taxes accrued |1, 200 00 

Unearned rents 13,5-16 32 

14,746 32 

Excess of assets over liabilities 14 , 156 58 



$129,933 49 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $2,666 20 

From rent of safes 30,581 95 

From storage of valuables the safety of which is guaranteed 

by the company 2 ,942 25 

From interest on loans, deposits and investments 2,389 26 

From stocks and bonds sold, par value $900. Amount 

received therefor 900 00 



$39,479 66 

PAYMENTS 

For dividends to shareholders $11 ,000 00 

For expenses, viz.: 

Salaries 19.489 70 

Taxes and ropairs on building 1,283 92 

Rent of building 3,40188 

Other expenses 3, 509 12 

17,614 60 

Other payments, viz. : Liberty bonds 2,000 00 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 8,865 06 



$39,479 66 



Security Safe Deposit Company of Troy 615 

45. SECURITY SAFE DEPOSIT COMPANY OF TROY, TROY 

[408 Grand street; incorporated 1908] 

OFFTOFTIS 

FRANK E. NORTON, President. JOHN DON. Vice-President. 

JAMES K. P. PINE, Vice-President. GEO. L. HARB, Secretary. 

DIRECTORS 

JAMES J. CHILD, FRANK B. HOWE, R. A. DUCKROW, 

eERBERT S. ids; A. HARRIS IDE. JAMES K. P. PINE. 

JOHN DON, EDWARD MURPHY, S. VAN SANTVOORD, 

WILX.IAM B. FREAR, GEO. A, CLUETT, GEORGE L. HARE, 

FRANK E. NORTON. 

FINANCIAL 
RESOURCES 

Real estate, cost, $58,579.10; estimated present value $58,579 10 

Vaults and safes, coat, $34,179.47; estimated present value.. 34,173 47 

Furniture and fixtures, cost, $1,564.65; estimated present value 1,564 65 

Cash on deposit with banks or other moneyed institutions. . 704 40 

Safe rentals due and accrued 1 ,218 50 

Silver storage due and accrued 309 00 

$96,549 12 

LIABILITIES 

Capital stock $50,000 00 

Other loans 6,000 00 

Other liabilities, viz.: 

Taxes accmed |1,060 00 

Interest accrued on debenture notes 95 83 

Debenture notes of company outstanding 23, 000 00 

24,145 83 

Excess of assets over liabilities 16,403 29 

,549 12 



CASH TRANSACTIONiS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $655 67 

From rent of safes 7 , 157 02 

From silver storage 568 25 

From interest on loans, deposits and investments 3 26 

$8,384 19 



PAYMENTS 

For loans paid $3,000 00 

For interest on bonds, loans and mortgages 1 ,541 38 

For expenses, viz.: 

Salaries $1,562 32 

Taxes and repairs on ^ulldlnjT 947 82 

Other expenses 628 77 

3,138 41 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 704 40 

,384 19 



616 Report on Deposit and Storage Companies 

46. THE STANDARD SAFE DEPOSIT COMPANY OP NEW YOSK, 

NEW YORK CITY 

[26 Broad street; incorporated 1901] 

OFFICERS 

WILJ.IAM C. T^ANE. President. WILLIAM C. COX, Treasurer. 

FRANK K. STURGI8, Vice-President. JOS. M. CUNNINGHAM, Secretary. 
WALTER J. BARROWS, Vice-President S. WELLMER HANSON. Asst Secretary. 

DIRECTORS 

WIIvLIAM C. LANB. WM. D. GUTHRIp:. C. C TBGBTHOPT. 

FRANK K. STURGIS. WM. SHILLABER, WALTER J. BARROWS. 

ALWYN BALL. Jb.. FRANK H. DAVIS. > EDWIN M. BULKLEY. 

FINANCIAL 

RESOURCES 

Stock and bond investmentfi, market value $93,050 00 

Vaults and safes, cost, $273,581.62; estimated present value.. 151,925 00 

Cash on deposit with banks or other moneyed institutions. ... 1,013 28 

Safe rentals due and acemed 532 82 

$246,521 10 

LIABILITIES 

Capital stock $200,000 00 

Other loans 19,000 00 

Excess of assets over liabilities 27,521 iO 

$246,521 10 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $733 22 

From rent of safes 79,533 19 

From silver and warehouse storage 603 66 

From interest on loans, deposits and invefltments 4,410 25 

From stocks and bonds sold, par value $5,000. Amount 

received therefor 5,000 00 

From all other sources^ viz.: 



Time loans |lS,mO 00 

Cutting locks, sale of keys 112 W 



19,112 95 



$109,393 27 



FAYMANTS 

For interest on bonds, loans and mortgages $236 89 

For dividends to shareholders 20,000 00 

For expenses, viz.: 

Salaries |24,749 50 

Taxes and rMialrs on building 6,6^ 39 

. Rent of bullding 12,00000 

Other expenses 5,487 41 



48,930 30 



Other payments, viz.: 

Addition to vault *|5.92600 

Investments 28,773 60 

Extra compensation 4,514 20 

39,212 80 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the dav 1,013 28 



$109,393 27 



State Safe Deposit Company 617 

47. STATE SAFB OKPOSIT COMPAITY, MEW YORK CITY 

[378 Grand street; IncoriMnited 1915] 

OFFICERS 

OSCAR L. RICHARD, President. ALBERT I. VOORHTS, Treasurer. 

ARNOLD KOUN, Vice-PresklcDt. WALTEtt L. BUHCKETT, SecreUry. 

DIKECTOKS 

OSCAR L. RICHABD. WALTKK L. BURCKETT. JOHN KXBIBEL, 

ARNOLD KOHli, ALBERT 1. VOORIIIS. 

FINANCIAL 

RESOURCES 

Real estate, cost, $95,918.50: estimated present value $88,298 63 

Cash on hand 11,486 12 

Tin boxes on hand 287 25 

$100,072 00 



LIABILITIES 

Capital stock $100,000 00 

Excess of assets over liabilities. 72 00 

$100,072 00 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $6,572 02 

From rent of safes 38,315 35 

From sale of tin boxes for safes 3 60 

From interest on loans, deposits and investments 2,172 22 

From stocks and bond« sold, par value $d5>000. Amount re- 
ceived therefor 50,750 00 

From all other sources, viz.: 

Repairs of boxes so^ locks |491 BO 

Old lafe doors 6o 00 

546 50 

$98,359 69 



PAYMENTS 

For dividends to shareholders $6,000 00 

For eoqpeoaes, viz.: 

Salaries 112,732 87 

TUes and repairs on building 616 40 

Rent of building 13,500 00 

Otber expenses 2,085 85 

28,885 12 

Other payments, vis.: 

Securities bou^t |22,7a>00 

Safe deposit and tin boxes 29, 238 45 

51,988 45 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 11,486 12 

$08,359 69 



618 Report on Deposit and Stobagb Companies 

48. THE THIRTT-POTTRTH STREET SAFE DEPOSIT COMPANY, 

NEW YORK CITY 

[41 West Thlrty-foarth street; Incorporated 1904] 

OFFICERS 
WILLIAM F. H. KOEL8CH, Freeident. CURTIS J. BEARD, Treasurer. 

DIRECTORS 

CURTIS J. BEARD. UDO M. FLEISCHMANN, WILLIAM H. 8BAICH, 

WM. T. H. KOBLSCH, PAUL A. SAI.EMBIER. WYLLTS TERRY. 

FINANCIAL 
RESOURCES 

Stock and bond inveetmentB, market value $1 ,620 78 

Real estate, cost, $269,235.22; estimated present value 334,000 00 

Vaults and aafes, cost, $40,836.07; estimated present value.. 33,000 00 
Furniture and fixtures, cost, $10,172.77; estimated present 

value 3,500 00 

Gash on deposit with banks or other mroneyed institutions 4,783 56 

Safe rentals due and accrued 680 00 

Silver storage due and accrued 347 75 

$377,932 09 

LIABILITIES 

Capital stock $225,000 00 

Loans secured by bond and mortgage 100,000 00 

Interest due and accrued on loans 2,500 00 

Excess of assets over liabilities 50,432 09 

$377,932 09 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $11,146 47 

From rent of that portion of the building not occupied by 

the company 30,000 00 

From rent of safes 10,331 06 

From silver storage 925 17 

$52,402 69 

PAYMENTS 

For interest on bonds, loans and mortgages $5,250 00 

For dividends to shareholders 9,000 00 

For expenses, viz.: 

Salaries ..'. $6,620 93 

Taxes nod repairs on building 11,302 12 

Other expenses 6,09 49 

24,442 54 

Other payments, viz.: 

Safe deposit boxes 14,672 00 

New vault (on account) 2,500 00 

Bonds 1,700 00 

New electric sign 54 69 

8,926 59 

Cash on hand and in banks or other moneyed institutions 

December 31 1918, after transactions of the day 4,783 56 

$52,402 69 



TiFfFANY & Co., Safe Deposit Company 619 

49. TIFFAHY & CO. SAFE DEPOSIT COMPANY, NEW YORK CITY 

[401 Fifth avenue; incorporated UlS] 

OFFICERS 

JOHN C. MOOBB, President GEORGE F. KUNZ, Vice-President. 

LOUIS C TIFFANY, Vice-President. HARRY H. TREAD WELL. Secretary. 

CHARLES Ll TIFPAiNY. Vice-President LOUIS dd B. MOORE, Asst Secretary. 

DIRECTORS 

JOHN C. MOORE. CHARl«ES I* TIFFANY, LOUIS DV B. MOORE, 

L0CI8 C. TIFFANY, GEORGE F. KUiNZ, E. DIMON BIRD. 

HARRY H. TREADWELL, 

FINANaAL 

RESOURCES 

Stock and bond investments, market value $96,400 00 

Cash on deposit with banks or other moneyed institutions. . . . 27,805 69 

Safe rentals and silver storage due and ax^crued 10,446 91 

Other assets, viz.: Accrued interest on investments 1,239 59 

$135,892 09 

LIABILITIES 

Capital stock $100,000 00 

Other loans 22,781 20 

Other liabilities^ viz.: 

Taxes accrued 11,600 00 

Salaries accrued 108 60 

1,603 50 

Iixcess of assets over liabilities 11 ,507 39 

$135,892 09 

CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

From rent of safes, storage of silver and valuables $17,235 38 

From interest on loans, deposits and investments 582 21 

From all other sources, viz. : 

Capital stock sold $100,00000 

PTemlam on capital stock sokt 10,000 00 

110,000 00 



$127,817 59 

PAYMENTS 

Other payments, viz.: 

loveatment in bonds $100,000 00 

Refond of overpayment 12 00 

$100,012 00 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 27,805 59 

$127,817 59 



620 Kepoet on Deposit and Stobaob Companies 

50. UNITED STATES SAFE DEPOSIT COMPANY, NEW TORE CUT 

[82 Liberty itx«et; Incorporated IMB] 

OFFICERS 

J. LYNCH PBNDSaOAST, PrcBldent. FERDINAND J. CLAUSSBN, TrtasuRr. 
HENRY L. SBEVOSS^ Ylce-PreiideBt JOSEPH ADAMS, Secretary. 

DIRECTORS 

CHARLES B. SBQBR. A. J. HEMPHILL, ARTHUR TUBNBULL, 

CHARLES 8. BROWN. WILLIAM A. JAMISON, JAMBS TIMPSON. 

LEWIS L.- CLARKB, JOHN W. PLATTBN. W. H. WILLIAMS. 

DAVID L. GALLUP, MORTIMER L. SCHIFF, DONALD G. GEDDES, 

J. L. PBNDBBGA8T. 

FINANCIAL 
RESOURCES 

Stock and bond investments, market value $421 ,400 00 

Vaults and safes, cost, $98,271.72; estimated present value. . . 62,850 00 
Furniture and fixtures, cost, $3,931.29; estimated present 

value 3,303 00 

Cash on deposit with banks or other moneyed institutions 3,492 72 

Cash on hand 100 00 

Sale rentals due and accrued 4,071 17 

Silver storage due and accrued 635 00 

Warehouse storage due and accrued 3,465 45 

Other assets, viz. : 

Liberty Bonds held for emplorees 9970 6S 

Enriflar alarm serrices 485 38 

Interest accmed..... 607 44 

2,063 37 



$501,280 71 



UABILITIIBS 

Capital stock $200,000 00 

Other loans ^ 130,000 00 

Expenses incurred but impaid 3,663 00 

Other liabilities, viz.: Renewals paid in advance 119 50 

Excess of assets over liabilities 167,498 21 



$501,280 71 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 

Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $2,029 51 

From rent of safes 74,882 29 

From silver storage 3,742 72 

Prom warehouse storage » 7 ,075 28 

From interest on loans, deposits and investments 13,725 57 

From all other sources, viz.: 

Rental of letter boxes |97 00 

Liberty Loan Installments 9,088 07 

Cartasre 884 47 

Bnrglar alarm senrices 87171 



10.436 25 



$111,891 62 



Ukited States Safe Deposit Company 621 

PAYIOEKTS 

For interest on bonds, loans and mortgages $2,008 06 

For diTidends to shareholders 17,000 00 

For expenses, viz.: 

Salaries 128,836 88 

Taxes ajid repalTB on building 1,818 32 

Rent of building 21.08000 

Other expenses 20,061 69 



Other pajments, viz.: 

Ubertj Loan bonds (sold to employees) |9,Mo OO 

Plant (safes) 5,748 95 

Antomobile 2,600 00 



71,306 89 



17,893 95 

Cash on hand and in banks or other moneyed institutions 
December 31, 1918, after transactions of the day 3,592 72 

$111,891 62 



622 Repoet on Deposit and Stoeage Companies 

51. WOOLWORTH BUILDING SAFE DEPOSIT COMPANY, 

NEW YORK CITY 

[283 Broadway ; incorporated 1914] 

OFFICERS 

F. W. WOOLWORTH, President. H. T. PARSON, Treasurer. 

ROLLIN p. grant, Vice-President. L. C. HAYNES. Secretary. 

FREDERIC G. LEE, Vice-President. 

DIRECTORS 

F. W. WOOLWORTH, FREDERIC G. LEE, L. C HAYNES. 

ROLLIN P. GRANT, HUBERT T. PARSON, CHARLES F. VALENTINE. 

CHAS. E. F. McCANN, 

FINANCIAL 

RESOURCES 

Stock and bond investments, market value $24,&(4 05 

Vaults and safes, cost, $80,058; estimated present value.... 93,156 S4 

Furniture and fixtures, cost, $1,082.45; estimated present value 876 79 

Cash on deposit with banks or other moneyed institutions. . . 7,463 30 

Safe rentals due and accrued 627 So 

Warehouse storage due and accrued 88 49 

Other assets, viz. : Interest accrued 228 03 

$127,285 35 



LIABILITIES 

Capital stock $100,000 00 

Expenses incurred but unpaid 119 20 

Other liabilities viz. : Unpaid dividends 1 ,296 99 

Excess of assets over liabilities 25,869 16 

$127,285 35 



CASH TRANSACTIONS DURING THE YEAR 1918 

RECEIPTS 
Cash on hand and in banks or other moneyed institutions 

January 1, 1918, before transactions of the day $4,955 91 

From rent of safes 27,427 8S 

From warehouse storage 197 68 

From interest on loans, deposits and investments 1,234 54 

From all other sources, viz. : 

Income accrued |196 24 

New locks (cut open) 62 SO 

188 74 



$17,687 56 



$34,004 75 

PAYMENTS 

For expenses, viz.: 

SalarlM $5,089 90 

Rent of building 8,499 96 

Other expenses 4, 147 70 

Other payments, viz.: 

Liberty Bonds $6,482 OO 

Vaults and safes 3,358 00 

Accrued Interest 8 39 

Refund 6 60 

8.853 89 

Cash on hand and in banks or other moneyed institutions 

December 31, 1918, after transactions of the day 7,463 30 

$34,004 75 



TABULAR STATEMENT 



OF THC CONDITION OF TRB 

Safe Deposit and Storage Companies 

or THB 

STATE OF NEW YORK 



FOB 



January 1, 1919 



1623] 



624 Kbpoet on Deposit and Stoeaoe Com 



52 



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REPORTS 



OP 



SECURITIES COMPANIES 



[6311 



EQUITABLE SECURITIES COMPANY, NEW YORK CITY 
[24 Broad street; organlEed 1894] 

ASSETS 

Loans secured by first liens on real eAtate $6,000 00 

Stocks and bonds 845,026 24 

Other real estate 101,894 58 

Cash 28,979 23 

Other assets, viz.: 

AceoiiDts receivable 115,29972 

Interest accrued 9.699 U 

24,999 23 

Total $1,006,899 28 

LIABILITIES 

Capital stock paid in $961,400 00 

Undivided profits 39,950 57 

Debenture certificates 123 07 

Other liabilities, viz.: 

Accounts payable $825 64 

Taxes accrued 4, 600 00 

5,425 64 

Total $1 .006,899 28 



When organized: 1894. 

Under what State laws: New York. 

Principal place of business: 24 Broad street, New York City. 

Authorized amount of capital: $1,000,000. Amount of capital subscribed, 
$961,400. 

What is the personal liability of the stodcholders ? None. 

How much of its capital stock is owned by the officers of the company? 
$300. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral ? None. 

Amount of loans due from directors : None. 

Total amount of its capital stock held by the company as collateral : None. 

Bates of dividends for past five years: Six per cent, on preferred stock in 
1914 and 1915; 6 per cent, on preferred and .3926 per cent, on common 
stodc in 1917, and 6 per cent, on preferred stock in 1918. 

Do you cause a personal examination of offered security to be made by 
salaried employees of the company who are entirely free from local influences 
before money is advanced to borrower? No such loans made. 

State the sections of country in which loans are made, giving the principal 
counties : None. 

State the number and amount of mortgages with interest six months or 
more in arrears: None. 

Total amount loaned to date: None. 

Total amoimt of loans paid: None. 

Total amount of loans unpaid and outstanding: Guaranteed, none; 
unguaranteed, none. 

Number and amount of loans extended the past two years : None. 

Do you advance interest on unguaranteed loans? No. 

How much have you so advanced? None. 

Number and amount of mortgages foreclosed in' the past year : None. 

Total amount in process of foreclosure: None. 

Is the company subject to examination by local State officers? Yes. 

What (^cers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year: None. 

What are the " Other Deposits " mentioned in the statement ? None. 

[6331 



634 Reports of Secueities Companies 

Total amount of debontures certified: None. 

I«ss amount on hand and with agents: None. 

Total liability for debenture bonds as per statement: None. 

What do you estimate will be lost to the company on outstandiiig 
guaranteed mortgages and debenture securities? Nothing. 

Trustees for debentures (if more than one class^ state series certified to by 
each) : None. 

OFFICERS AND DIRECTORS 

N. S. MELDRUM President 

H. R. DENNIS Vice-presideni 

E. G. WOODLING Secretary 

N. S. MELDRUM Director 

H. R. DENNIS Director 

E. G. WOODLING Director 

W. W. MILLER Director 

J. A. BLAIR, Jb Director 



Investment SEcrniTiES Company 635 

INYESTMSNT SECURITIES COMPANY, NEW YORK CITY 

[87 Wall street ; organised 1896} 

▲S8BTS 

Stocks and bonds $637,933 33 

Due from banks and bankers 8,032 05 

Other assets, viz. : Adjustment account 429,844 07 

Total $1,075,809 45 

LIABILITIES 

Capital stock paid in $637,933 33 

Debenture bonds outstanding 433,808 60 

Other liabilities, viz,: Distributions awaiting presentation of 

certificates 4,067 52 

Total $1,075,809 45 



When organized:. April 23, 1895. 

Under what State laws : New York. 

Principal place of business: 37 Wall street. New York City. 

Authorized amount of capital: $2,500,000. 

Amount of capital Bubscribed: $637,933.33. 

What is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the company? 
None. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral? None. 

i^ount of loans due from directors: None 

Total amount of its capital stock held by the company as collateral : None. 

Rates of dividends for past five jrears: None. 

Do you cause a personal exammation of offered security to be made by 
salaried employees of the comrpany who are entirely free from local influences 
before money is advanced to borrower? No loans made. 

State the sections of country in which loans are D>ade, giving the principal 
counties: No loans made. 

State the number and amount of mortgages with interest six months or more 
in arrears: None. 

Total amount loaned to date : No loans made. 

Total amount of loans paid: $728,650.57. 

Total amount ot loans unpaid and outstanding: Guaranteed, none; 
unguaranteed, none. 

Number and amount of loans extended the past two years: None. 

Do you advance interest on unguaranteed loans? No. 

Number and amoimt of mortgages foreclosed in the past year: None. 

Total amount in process of foreclosure: None. 

Is the company aubject to examrination by local State officers ? No. 

Amount of securities sold in New York State for the past yean None. 

Total amount of debentures certified: None. 

Less amount on hand and with agents: None. 

Total liability for debenture bonds as per statement: $433,808.60. 

What do you estimate will be lost to the company on outstanding guar- 
anteed mortgages and debenture securities? No outstanding guaranteed mort- 
gages. Ase^ liquidated* 

Trustees for debentures (if more than one class, state series certified to by 
each) : None. 



636 Reports of Secukities Companies 

OFFICERS AND DIRECTOES 

HERMAN DOWD .....' President 

R. R. HUNTER Vicfy-presidafil 

F. W. BLACK Treaawrer 

H. J. COOK Secretary 

CARLETON BUNCE Director 

J. L. dbROSSET Director 

HERMAN DOWD Director 

R. R. HUNTER Director 

F. W. BLACK Director 

H. J. COOK Director 



REPORTS 

OF 

INVESTMENT COMPANIES 



[637] 



AMEKICAN FOREIGN BANKING CORPORATION, NEW YORK CITY 

[66 WaU street ; orsanized 1917] 

ASSETS 

Loans on collateral security $7 ,403,951 55 

Loans on personal security 1,211,619 39 

Stocks and bonds 333,008 13 

Furniture and fixtures 8,002 65 

Due from branch offices and agents 518,978 13 

Due from sundry persons 43 ,504 91 

Due from banks and bankers. 1 ,047 , 146 44 

Cash 584,908 67 

Other assets, viz.: 

War tax stamps 1276 65 

Suspense account 7,080 77 

Foreign currency 8,970 00 

Credit granted on acceptances 11, 2S0, 667 29 

11,296,893 61 

Total » $22,448,013 48 

LIABILITIES 

Capital stock paid in $3,239,200 00 

Surplus fund 1,166,112 00 

Undivided profits 178,833 90 

Other deposits 1,343,961 28 

Due to branch offices and agents 1 ,405 , 814 79 

Due to banks and bankers 2,412,834 88 

Other liabilities, viz.: 

Accounts payable $28,667 43 

Unearned discount 12,168 99 

Money order Buspense 19 85 

Drafts outstanding 168.90179 

Certified checks 513 83 

Trayelere letters of credit 8,812 60 

Acceptances anticipated 1,202,214 95 

Acceptances, domestic and foreign 11,280,667 29 

12,701,256 63 



Total $22,448,013 48 



Wlien organized: 1917. 

Under what State laws: New York. 

Principal place of business : 56 Wall street. New York City. 

Authorized amount of capital: $3,500,000. 

Amount of capital subscribed: $3,239,200. 

What is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the company? 
$301^0. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral ? None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral : None. 

Kates of dividends for past five years: None. 

Do you cause a personal examination of offered security to be made by 
salaried employees of the c(»npany who are entirely free from local influences 
before nooney is advanced to borrower? Yes. 

State the sections of country in which loans are made, giving the principal 
counties: New York City. 

State the number and amount of mortgages with interest six months or 
more in arrears: None. 

[639] 



640 Reports of Investment Companies 

Total amount loaned to date: $88,019,395.50. 

Total amount of loans paid: $79,403,824.50. 

Total amount of loans unpaid and outstanding: Guaranteed, $7,602^- 
617.66; unguaranteed, $1,012,953.28. 

Number and amount of loans extended the past two years: None. 

Do yon advance interest on unguaranteed loans? No. 

How much have you advanced ? Nothing. 

Number and amount of mortgages foreclosed in the past year: Non& 

Total am'ount in process of foreclosure: None. 

Is the company subject to examination by local State ofBcers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year: None. 

What are the " Other Deposits '* mentioned in the statement ? Due firms 
and individuals in connection with transactions covering foreign trade. 

Total amount of debentures certified: None. 

Less amount on hand and with agents: None. 

Total liability for debenture bonds as per statement: None. 

What do you estimate will be lost to the company on outstanding guaran- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures (if more than one class, state series certified to by 
each) : None. 

OFFICERS AND DIRECTORS 

ARCHIBALD KAINS President 

HAYDEN B. HARRIS Vice-Prendmt 

T. FRED ASPDEN Vice-President 

A. G. FLETCHER Vic^- President 

CHAS. A. MACKENZIE Secremry 

ALBERT H. W^IGGIN Director 

T. FRED ASPDEN IHrector 

GERHARD M. DAHL Director 

NORMAN H. DAVIS Director 

CHARLES L. FARRELL Director 

ERNEST A. HAMILL Director 

CHARLES A. HINSCH Director 

W. R. IRBY : Director 

C. T. JAFFRAY Director 

JOHN G. LONSDALE Director 

LEVI L. RUE Director 

JOHN SHERWIN Director 

EUGENE V. R. THAYER. Director 

FRED VOGEL, Jr Director 

HENRY B. WILCOX Director 

C. H. EASSON Director 

A. G. FLETCHER Director 

HARRISON NESBIT Director 

H. T. RAMSDELL Director 

GEORGE H. PRINCE Director 

A. L. RIPLEY Director 

JOHN N. STALEY Director 



Asia Banking Company 641 

ASIA BANKING CORPORATION, NEW YORK CITY 

[66 Liberty street; organised 1918] 

ASSETS 

Loans on collateral security $950,000 00 

Stocks and bonds 274,730 00 

Furniture and fixtures 1 , 525 40 

Current expenses 63,2G9 67 

Due fronr branch offices and agents 316,626 02 

Due from sundry pereuns 600 00 

Due from banks and bankers 206,035 47 

Cash 38 78 

Other assets, viz. : 

Credit on domestic acceptances 11,221,154 00 

Acceptances purchased 743,262 42 

Interest accrued 462 33 

1,904,878 75 

Total $3,778,604 09 

LIABILITIES 

Capital stock paid in $2,000,000 00 

Surplus fund 500,000 00 

Undivided profits 36,833 92 

Other deposits 10,416 64 

Other liabilities, viz. : 

Domestic acceptances |1, 221, 154 00 

Unearned Interest 3,538 89 

Unearned discount 6,660 64 

1,231,353 63 

Total $3,778,604 09 



\Mien organized: 1918. 

Under what State laws: New York. 

Principal place of business: 66 Liberty street, Xew York City. 

Authorized amount of capital: $2,000,000. 

Amount of capital subscribed: $2,000,000. 

^^^lat is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the comrpany ? None. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral? None. 

Amotmt of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral : None. 

Rates of dividends for past five years: None. 

Do you cause a personal examination of offered security to be made by 
salarieid employees of the company who are entirely free from local influences 
before money is advanced to borrower? Yes. 

State the sections of country in which loans are made, giving the principal 
counties: New York county. 

State the number and amount of mortgages with interest six months or 
more in arrears: None. 

Total amount loaned to date: $2,050,000. 

Total amount of loans paid: $1,100,000. 

Total amount of loans unpaid and outstanding: Guaranteed, $950,000; 
ongoaranteed, none. 

Number and amount of loans extended the past two years: None. 

Do you advance interest on unguaranteed loans? No. 

How much have you so advanced? None. 

Number and amount of mortgages foreclosed in the past year : None. 

21 



642 Reports of Investment Companies 

Total amount in process of foreclosure: None. 

Is tlie company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year : None. 

What are the "Other Deposits'' mentioned in the statement? Unpaid 
salaries. 

Total amount of debentures certified: None. 

Less amount on hand and with agents: None. 

What do you estimate will be lost to the company on outstanding guaran- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures (if more than one ciaas, state series certified to by 
each) : None. 

OFFICERS AND DIRECTORS 

CHARLES H. SARIN Prendeni 

ALBERT BRETON VicePretident 

RALPH DAWSON Vice-President 

FRANKLIN R. SANDFORD, Jb. Treasurer 

ROBERT A. SHAW Secretary 

E. C. BROWNELL Assistant Treasurer 

ROBERT BUCHAN * Assistant Treasurer 

J. H. W'ICHERlS Manager 

CHARLES H. SARIN Director 

ALBERT BRETON Director 

JOHN H. HAMMOND Director 

GEORGE EDWARD SMITH Director 

FRED I. KENT Director 

EUGENE W. STETSON Director 

C. F. ADAMS Director 

M. F. BACKUS Director 

HERBERT FLEISHHACKER Director 

SEWARD PROSSER Director 

WILLIAM C. LANE Director 



Bankebs Commercial Skcubitt Company 643 

BANKERS COHMSRCIAL SECURITY COMPAKY, IlfC. 

[14 Wall street; or^anSzed 1917] 

ASSETS 

Stocks and bonds $384,831 00 

Current expenses . ., 16,402 68 

Due from sundry persons 160, 130 22 

Cash 1,862,768 56 

Other asseUy vis. : 

IsTentorj accoant |73,4fl> tt 

Notes, oootracts. leases and mortgages parcbased... 8,075,174 07 

Interest accnied 165.822 80 

8,314,482 76 



Total $10,738,616 22 



UABILITIB8 

Capital stock paid in $2,000,000 00 

Surplus fund 600,000 00 

Undivided profits 143,030 62 

Bills payable: Liberty loan account 179,700 00 

Debenture bonds outstanding 6,090,000 00 

Dividends accrued 40,000 00 

Other liabilities, viz.: 

Interest aecroed on contingent liabilities $49, 430 U 

Contingent reserves 1,722,512 88 

Suspense 6,01660 

<Eniplo7ees' Liberty Bond subscription pajments 2,366 60 

Insurance payable, accrued ^ 5,568 26 

Income tax coupons 25 

1,786,884 60 



ToUl $10,738,616 22 



When organized: May 21, 1917. 

Under wbat State laws: New York. 

Principal place of business: 14 Wall street. New York City. 

Authorized amount of capital: $2,000,000. 

Amount of capital subscribed: $2,000,000. 

What is the personal liability of stockholders 7 None. 

How much of its capital stock is owned by the officers of the company T 
$1,278,900. 

How much, if any, of the stock owned by the officers is pledged to the 
company as collateral? None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral : None. 

Bates of dividends for past five years: 8 per cent, per annum since 
organization. 

Do you cause a personal examination of paper offered for sale to be made 
by salaried employees of the company who are entirely free from local infiu- 
ences before purchase is made? Yes. 

State the sections of country in which loans are made, giving the principal 
counties: Throughout the United States. 

State the ntmiber and amount of mortgages with interest six months or 
more in arrears: None. 

Total amount of contracts purchased to date: $32,263,424.10. 

Total amount of contracts paid since organization: $23,562,786.06. 

Total amount of contracts unpaid and outstanding: Guaranteed, 
$8,700,639.04. 

Number and amount of loans attended the past two years : None. 

Do you advance interest on unguaranteed loans? No. 



644 Eepobts of Investment Companies 



• 



Number and amount of mortgages foreclosed in the past year: No real 
estate mortgages held. 

Is the company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year : $1,350,000. 

Total amount of debentures certified: $6,090,000. 

Amount on hand and with agents: $166,500. 

Total liability for debenture bonds: $6,090,000. 

What do you estimate will be lost to the company on outstanding guaran- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures: Central Trust Co. of Illinois, Chicago; Bankers 
Trust Co., of New York, New York City; Guaranty Trust Co. of New York 
City. 

OFFICERS AND DIRECTORS 

GEO. G. FOSTER President 

R. A. ORANDALL Vice-President and Treasurer 

J. H. SHALE Vice-President 

D. C. McOORD Vice-President 

J. A. BOWER Vice-President 

W. LEE WHITE Secretary 

E. H. TROYKE Assistant Secretary 

S. J. DAVIS ^ Assistant Secretary 

A. M. VAN NESS Assistant Treasurer 

J. A. BOWER Director 

R. A. CRANDALL Director 

GEO. G. FOSTER Director 

WU. T. GRAHAM Director 

A. L. SCHEUER Director 

E. C. CONVERSE Director 

J. H. SHALE Director 

GEO. L. EATON Director 

FREDERICK W. ZOLLER Director 



CONTINBNTAL GUARANTY COBPORATION 645 

COITTIHENTAL GUARAHTY CORPORATION, NEW YORK CITY 

[248 Madison avenue; organised 1916 as Guaranty Securities Corporation] 

ASSBTS 

Loans <Hi collateral security $6,801 ,790 94 

Stocks and bonds 1, 140,766 39 

Premiums paid 6 , 117 8d 

Furniture and fixtures .' 24,468 43 

Due fromc sundry persons 49 , 719 3*4 

Cash 2,267,702 81 

Other assets, viz.: 

Interest accrued on loans 141,107 82 

Prepaid discount on debentures and collateral trust 
notes 84,676 63 

125,783 35 

Total $10,416,349 11 

LIABILITIES 

Capital stock paid in $1,000,000 00 

Undivided profits 124,331 78 

Bills payable and interest accrued thereon 2,535,388 25 

Debenture bonds outstanding 3, 146,000 00 

Interest paid in advance by borrowers 89,261 55 

Certificates of deposit bearing interest 1 ,712,663 44 

Other deposits 427,414 05 

Other liabilities, viz. : 

Deferred certificates and Interest accrued thereon... $106,707 02 
Dne banks for notes and acceptances rediscounted. . 148,611 86 
Accounts payable ; insurance premiums ; current pur- 
chases 34,792 48 

Acceptances rediscounted 1,017,809 22 

Reserves for contingencies and taxes 73,469 97 

1,380,290 04 

Totol $10,416,349 11 



When organized: March 20, 1910. 

Under what State laws: New York. 

Principal place of business : 248 Madison avenue. New York City. 

Authorized amount of capital: $2,000,000. 

Amount of capital subscribed: $1,000,000. 

What is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the company? 
$102,300. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral? None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral : None. 

Kates of dividends for past five years: 1916, no dividends; 1917, 2 per cent, 
quarterly; 1918, 2 per cent, quarterly. 

Do you cause a personal examination of offered security to be made by 
salaried employees of the company who are entirely free from local influences 
before money is advanced to borrower? No. 

^ate the sections of country in which loans are made, giving the principal 
counties: All States of United States and all provinces of Canada. 

State the number and amount of mortgages with interest six months or 
more in arrears: None. 

Total amount loaned to date: $64,916,170.12. 

Total amount of loans paid: $47,613,379.18. 

Total amount of loans unpaid and outstanding: Guaranteed, $6,801,790.94; 
unguaranteed, none. 



\ 



646 Beports of Investmei?t Companies 

Number and amount of loans extended the past two years: Number, 2S; 
amount, $80,763.29. 

Do you advance interest on unguaranteed loans? No. 

Number and amount of mortgages foreclosed in the past year : None. 

Total amount in process of foreclosure: None. 

Is the company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year : $2,636,000. 

What are the " Other Deposits " mentioned in the statement ? Non-intei-Cot- 
bearing deposits and certificates of deposit. 

Total amount of debentures certified: $32,078,500 (during 1018, $8,901,000). 

Less amount on hand and with agents: None. 

Total liability for debenture bonds as per statement: $3,146,000. 

What do you estimate will be lost to the company on outstanding guaran- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures (if more than one class, state scries certified to by 
each) : Metropolitan Trust Co. of the City of New York, 60 Wall street, New 
York City; trustee for debentures on U. S. paper. National Trust Co., 153 
St. James street, Montreal, Canada; trustee for collateral trust gold deben- 
tures on Canadian paper. 

OFFICERS AND DIRECTORS 

GEORGE C. VAN TUYL, Jb Chairman of the Board 

EDWARD S. MADDOCK President 

PAUL FITZPATRICK Vice-President 

HOWARD L. WYNEGAR Vice-President 

BURT A. McDonald Vicc-Presidcnt 

FRED A. FRANKLIN Treasurer 

HAROLD M. BENSON Secretary 

W. J. BOLD Asst, Bec*y and Asst, Trcas. 

ROBERT F. WINGARD Assistant Treasurer 

A. BRUNSWICK Assistant Treasurer 

J. D. DORT Director 

PAUL FITZPATRICK Director 

CHARLES P. HOWLAND Director 

D. R. Mclennan Director 

EDWARD S. MADDOCK Director 

T. G. MEACHEM Director 

STANLEY ROBERTS Director 

ALFRED P. SLOAN, Jr Director 

GEORGE C. VAN TUYL, Jr Director 

JOHN N. WILLYS Director 

W. B. JOYCE Director 

WILUAM M. RAMSAY Director 

H. MERCER WALKER Director 



Discount Corporation of New York 647 

DISCOUIIT CORPORATION OF NBW YORK, NEW YORK CITY 

[62 Wall street; organised 1918] 
ASSETS 

Stocks and bonds $985 00 

Current expenses 3 >958 34 

Past-due interest remitted for, but not paid to ub 12 00 

Due from banks and bankers 5,095,044 66 

ToUl $6,000,000 00 



LIABILITIES 

Capital stock paid in $5,000,000 00 

Surplus fund 1,000,000 00 

Total $6,000,000 00 

When organized: December 28, 1918. 

Under what State laws: New York. 

Principal place of business: 52 Wall street, Kew York City. 

Authorized amount of capital, $5,000,000. 

Amount of capital subscribed: $5,000,000. 

What is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the companyjT $100. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral? None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral : None. 

Rates of dividends for past five years: None. 

Do you cause a personal examination of offered security to be made by 
salaried employees of the company who are entirely free from local influences 
before money is advanced to borrower ? Yes. 

State the sections of country in which loans are made, giving the principal 
counties: New York county. New York. 

State the number and amount of mortgages with interest six months or 
more in arrears: None. 

Total amount loaned to date: None. 

Total amount of loans paid: None. 

Total amount of loans unpaid and outstanding : None. 

Number and amount of loans extended the past two years : None. 

Do you advance interest on unguaranteed loans? No. 

Number and amount of mortgages foreclosed in the past year : None. 

Total amount in process of foreclosure: None. 

Is the company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year : None. 

Total amount of debentures certified: None. 

Total liability for debenture bonds as per statement: None. 

Wliat do you estimate will be lost to the company on outstanding guaran- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures (if more than one class, state scries certified to by 
each) : None. 

OFFICERS AND DIRECTORS 

JOHN Mc HUG H President 

JEROME THRALLS Secretarif ami Treasurer 

FRANCIS L. HINES J>irector 

EDWIN S. MARSTON Director 

GATES W. MoOARRAH Director 

JOHN McHUGH Director 

J. P. MORGAN Director 

SEWARD PROQSER Director 

CHARLES H. SARIN Director 

JAMES A. STILLMAN Director 

EUGENE V. R. THAYER Director 

JAMES N. WALLACE Director 



IS Reports o'f Investment Companies 

ESSENTIAL INDUSTRIES FINANCE CORPORATION, NEW YORK CITY 

[61 Broadway; organized 1918] 

ASSETS 

Stocks and bonds $1,032 16 

Cash 1,196,936 59 

Total $1,197,968 75 

LIABILITIES 

Capital stock paid in $1,000,000 00 

Surplus fund 197,968 75 

Total $1,197,968 75 



When organized: October 7, 1918. 

Under what State laws : New York. 

Principal place of business: 61 Broadway, New York City. 

Authorized amount of capital: $1,000,000. 

Amount of capital subscribed: $1,000,000. 

What is the personal liability of stockholders 7 None. 

How much of its capital stock is owned by the officers of the company? 
$1,000,000. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral? None. 

Amount of loans due from directors : None. 

Total amount of its capital stock held by the company as collateral: None. 

Rates of dividends for past five years: None. 

Do you cause a personal examination of offered security to be made by 
salari^ employees of the company who are entirely free from local influences 
before money is advanced to borrower? Yes. 

State the sections of country in which loans are made, giving the principal 
counties : No loans made. 

State the number and amount of mortgages with interest six months or 
more in arrears: None. 

Total amount loaned to date: No loans made. 

Total amount of loans paid: None. 

Total amount of loans unpaid and outstanding: None. 

Number and amount of loans extended the past two years: None. 

Do you advance interest on unguaranteed loans ? No. 

Number and amount of mortgages foreclosed in the past year: None. 

Total amount in process of foreclosure: None. 

Is the company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year : None. 

Total amount of debentures certified: None. 

Total liability for debenture bonds as per statement: None. 

What do you estimate will be lost to the company on outstanding guaran- 
teed mortgage and debenture securities? Nothing. 

Trustees for debentures (if more tlian one class, state series certified to by 
each) : None. 

OFFICERS AND DIRECTORS 

EUGENE V. R. THAYER President 

FREDERICK STRAUSS Vice-President 

GERHARD M. DAHL Vice-President 

NIEL A. WEATHERS Secretary and Trms^'^r 

EUGENE V. R. THAYER Director 

FREDERICK STRAUSS Director 

E. W. CLARK Director 

HAROLD STANLEY Director 

GERHARD M. DAHL Director 



First Mortgage Guarantee Company 6i9 

FIRST MORTGAGE GUARANTEE COMPANY, LONG ISLAND CITY 

[Bridge Plaza — Borth ; organized 1911] 

ASSETS 

Loans secured by firgt liens on real estate $459,776 38 

Stocks and bonds 975 00 

Other real estate 30,683 59 

Furniture, fixtures and plant 3,884 32 

Due from sundry persons 3,489 13 

Caah 96,539 11 

Other assets, viz. : 

U. S. War Savings Stamps 1100 00 

Interest receivable, accrued 61,367 57 

Contracts receivable, real estate 3, 416 86 

Mortgage certificates, not issued and on hand 32,46100 

U. S. certificates of Indebtedness 60,000 00 

C. S. Liberty Bonds 38,000 00 

185,343 92 

Total $780,691 46 

LIABILITIBS 

Capital stock paid in $500,000 00 

Surplus fund 125,000 00 

Undivided profits 94,404 03 

Due borrowers on loans made 5,687 60 

Deposits awaiting investment 14,490 18 

Other liabilities, viz.: 

Interest payable, accrued $38,026 76 

Funds awaiting distribution 3,082 99 

41,109 74 

Total $780,691 46 



When organized: March 1, 1911. 

Under what State laws: New York. 

Principal place of business: Bridge Plaza, North, Long Island City, New 
York. 

Authorized amount of capital: $500,000. 

Amount of capital subscribed, $500,000. 

What is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the company? 
$20,700 (207fihare8). 

How much, if any, of the stock oAvned by its officers is pledged to the com- 
pany as collateral? None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral: None. 

Rates of dividends for past five years: 6 per cent for 1914. None declared 
fcince. 

Do you cause a personal examination of offered security to be made by 
salaried employees of the company who are entirely free from local influences 
before money is advanced to borrower 7 Yes. 

State the sections of counlry in which loans are made, giving the principal 
counties: Queens, Kings, Nassau and Suffolk counties, New York State. 

State the number and amount of mortgages with interest six months or 
more in arrears : Number, 3 ; amount, $74,500. 

Total amount loaned to date, $5,305,961.38. 

Total amount of loans paid, $2,377,545.00. 

Total amount of loans unpaid and outstanding: Guaranteed, $2,468.- 
640.00; unguaranteed, $459,776.38. 



650 Reports of Investment Companies 

Number and amount of loans extended the past two years: Number, 1S2; 
amount, $926,975.00. 

Do you advance interest on unguaranteed loans? No. 

Number and amount of mortgages foreclosed in the past year: Number, I; 
amount, $2,000. 

Total amount in process of foreclosure: None. 

Is the company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year: $317,- 
576.00. 

Total amount of debentures certified: None. 

Less amount on hand and with agents: None. 

What do you estimate will be lost to the company on outstanding guaran- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures: None. 

OFFICERS AND DIRECJTORS 

H. PUSHAE WIIJ.IAMS President 

CUNTON R. JAMES Vice^Prmdent 

E. COVERT HULST Treasurer 

ARVINE C. LEAOH Secretary 

JULES S. BAOHE Director 

PAUL BONYNOE Director 

CYRIL ORIMMINB Director 

STEWART W. EAMES Director 

JOHN J. HALLERAN Director 

E. OOVERT HULST Director 

CLINTON R. JAMES Director 

JOHN F. JAMES Director 

CHARLES H. JONES Director 

JOHN ANDERSON LEACH ^ Director 

JOSEPH T. McMAHON Director 

MORGAN J. O'BRIEN, Jb ; Director 

SAMUEL RIKER, Jb Director 

H. PUSHAE WILLIAMS Director 

MAURICE D. BARRY Director 



Foreign Teade Banking Corpokation 651 

FOREIGN TRADE BANKING CORPORATION, NEW YORK CITY 

[36 Wall street; organised 1918] 

ASSETS 

Loans on collateral security $424 ,562 08 

Stocks uid bond« 144,739 60 

Due from banks and t>ankers 1 ,268,850 00 

Cash 1,661 41 

Other assets, viz,: 

Foreign exchange 12.100, MO 94 

Bank aeceptances 2,078.807 04 

Tnd^ acceptances and bills purchased 248, 060 49 

Interest receivable accrued , 1,898 36 

Customers* liability on acceptances 2, 972, 185 89 

7,501,186 22 

ToUl $9,341,008 21 

LIABILITIB8 

Capital stock paid in $2,000,000 00 

Surplus fund 200,000 00 

Undivided profits 114,036 43 

Due to banks and bankers 1 ,626,846 56 

Other liabilities viz. : 

Balances arising from discounts $2,384.210 74 

Unearned discount ...'. 22,90686 

Rcserres for taxes, etc 20,76120 

Interest payable, accrued 69 08 

Acceptances executed for customers 2,972,186 89 

5,400,125 22 

ToUl $9,341,008 21 



When organized: March 28, 1918. 

Under what State laws : New York. 

Principal place of business: 35 Wall street, New York City. 

Authorized amount of capital: $2,000,000. 

Amount of capital subscribed : $2,000,000. 

What is the personal liability of stockholders 7 None. 

How much of its capital stock is owned by the officers of the company? 
$1,128,400. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral? None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the company as collateral : None. 

Rates of dividends for past five years: None. 

Do you cause a personal examination of offered security to be made by 
salaried employees of the comrpany who are entirely free from local influences 
before money is advanced to borrower? No. 

State the sections of country in which loans are made, giving the principal 
counties: New York City. 

Total amount loaned to date: $15,697,475.87. 

Total amount of loans paid: $15,272,913.79. 

Total amount of loans unpaid and outstanding: Guaranteed, $424,562.08; 
unguaranteed, none. 

Number and amount of loans extended the past two years : None. 

Do you advance interest on unguaranteed loans? No. 

Number and amount of nrortgages foreclosed in the past year: None. 

Total amount in process of foreclosure: None. 

Is the company subject to examination by local State officers? Yes. 

What officers? Superintendent of Banks. 

Amount of securities sold in New York State for the past year: None. 



652 Reports of Investment Compaxies 

Total amount of debentures certified: None. 

Less amount on hand and with agents: None. 

Total liability for debenture bonds as per statement : None. 

What do you estimate will be lost to the company on outstanding guarin- 
teed mortgages and debenture securities? Nothing. 

Trustees for debentures (if more than one class state, series certified to by 
each) : None. 

OFFICERS AND DIRECTORS 

GEORGE A. GASTON Presidtmt 

MAX MAY Vice-PretidenT 

WILLIAM T. LAW Secretary 

GEORGE A. GASTON Director 

MAX MAY Director 

BENJAMIN S. GUINNESS Director 

HARRY T. HALL Director 

WADE ROBINSON Director 

PAUL SALEMBIER Director 

CECIL P. STEWART Director 



GUAKANTEED MoBTGAGE CoMPAmT OF NeW YoRK 653 

6UARAHXEBD MORTGAGE COWANY OF NSW TOKK, NSW YORK CITY 

(200 Broadway; organised 1900] 
ASSETS 

Loans secured by first liens on real estate $252,494 13 

Loans secured by second liens on real estate 4,000 00 

Loans on collateral security 100,000 00 

Stocks and bonds 109,160 00 

Other r«al esUte 42,523 80 

Dne from banks and bankers 24,897 35 

Other assets, viz.: 

Interest receivable, accrued |4,070 31 

Premiums receiyable, accmed 2,75193 

6,822 24 

Total $539,887 52 

LIABILITIES 

Capital stock paid in $375,000 00 

Surplus fund 125,000 00 

EqualiMition fund 1 ,867 02 

Undivided profits 11,349 97 

Premiums prepaid 671 91 

Bills payable 2,600 00 

Dividends unpaid 7,500 00 

Other liabilities, viz.: 

Accomts payable $14,383 81 

Interest payable, accrued 1,116 81 

15,998 62 

Total $539,887 52 



When organized: June 22, 1909. 

Under what State laws : New York. 

Principal place of business: 200 Broadway, New York City. 

Authorized amount of capital : $375,000. 

Amount of capital subscribed: $375,000. 

What is the personal liability of stockholders? None. 

How much of its capital stock is owned by the officers of the company? 
$87,900. 

How much, if any, of the stock owned by its officers is pledged to the com- 
pany as collateral: None. 

Amount of loans due from directors: None. 

Total amount of its capital stock held by the c